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Does homeowners insurance cover a tree falling on my fence?
Filed homeowners forms usually treat a fallen tree and the fence it landed on under different clauses. Here is what to look for — then read your own policy.
What filed forms generally say
A fence is normally insured as an “other structure” rather than as part of the dwelling, which means it draws on a separate, smaller limit — commonly a percentage of the dwelling amount.
Whether the fence damage is paid at all depends on the peril. Wind, hail and falling objects are named perils in most forms; a tree that simply rots and leans over usually is not.
Hauling the tree away is a third question again. Debris removal is often its own clause with its own cap, and several forms only pay to remove the debris of covered property.
Why your policy can still say something else
The other-structures percentage, the debris-removal cap and the list of named perils all differ by form and by endorsement, and an endorsement can quietly replace the figure printed in the booklet.
Clauses to look for in your own document
- Coverage B — Other Structures
- Perils Insured Against
- Debris Removal
- Trees, Shrubs and Other Plants
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PoliSays explains document wording. It is not an insurer, broker, or law firm, and nothing here is advice.