Treecaretips.com share some important insight on tree damage and homeowner’s insurance:
“If a tree falls on your house during a storm are you covered by insurance? Generally, yes. If there is damage to your property your insurance policy should cover it. Be aware, however, that if a tree falls and does not damage any building or structure, then insurance usually won’t cover any damage to landscaping or plants. A fence, shed, or deck would be covered.”