A tree fell in my yard. It didn’t hit anything, but it will cost over $2,000 to remove it. Why won’t my ins co pay for it all?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 10, 2010

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Insurance Question from Anaheim, CA

Asked on 05/10/2010

A tree fell in my yard. It didn’t hit anything, but it will cost over $2,000 to remove it. Why won’t my ins co pay for it all? NULL

Answer given on May 23, 2010

I’m sorry to hear about the tree falling in your yard, but am happy no damage was done and hopefully no one got hurt.  Your homeowners insurance is there to cover losses to your home.  If the tree had damaged your home then your policy should respond to repair your home (depending on what coverages you have)  but still would not pay for the cost to remove the tree.  Likewise if the tree had fallen on your vehicle, your auto insurance would respond to repair your vehicle.  Again, however that policy would not pay to remove the tree. Insurance is designed to cover unexpected losses to your property, but not maintenance type issues, which is more what clearing a fallen tree would come under.

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