Will my homeowners insurance cover tree removal after a storm?

Many policies pay to remove a tree that damages a covered building. Some also pay a limited amount when a fallen tree blocks a driveway or a wheelchair ramp. A tree that lands on your lawn and hits nothing is usually treated as normal upkeep.

Your policy may have a cap on tree removal and a deductible. Read the section on trees and debris, or ask your agent.

Take photos before anything is moved, keep receipts, and call your insurer before you hire a tree service. Ask whether they need an estimate or have rules about who does the work. The same rules often apply when the tree came from a neighbor's yard.

This is general information, not legal advice or insurance advice. Your own insurance agent can explain your policy.