Does Homeowners Insurance Cover a Fallen Tree on My Fence?

Trees add value to most homes but when they break or fall, repairs can be costly. Homeowners insurance can be used to defray the costs of the repairs, including damage to a fence.

Who Owns the Tree?

When a tree damages your property, it doesn't matter who owns the tree. It only matters who owns the damaged item. If you own the fence, your homeowners insurance should cover it.

The Exception

If it can be proven that your neighbor had knowledge of the dangerous nature of the tree, it may be your his insurance company's responsibility to pay for all damages to your property. If you have evidence of this, you should report it to your insurance company.

Let Them Investigate

It is not your responsibility to establish fault. If your insurance company has a question, a representative will contact the tree owner's insurance company. It isn't your job to do the investigation if one is necessary.

The Deductible

Like most insurance, your homeowners insurance has a deductible. You must meet this deductible before the insurance company will help you repair your fence.

Summary

If your fence is damaged, it should be covered by your insurance company. If you aren't sure, read your policy documents or ask your insurance agent.

References

• Explanation of exterior coverage
• Homeowners Insurance

Resources

• What Happens If a Tree Falls?