When storms roll through Arkansas, they can cause serious damage—especially from fallen trees. Whether it’s a thunderstorm, strong winds, or a tornado, the aftermath often leaves homeowners wondering: Does my home insurance cover this mess?
The answer is yes, but with conditions. In general, Arkansas home insurance policies—particularly standard HO-3 policies—will cover damage caused by fallen trees, provided the tree’s fall was caused by a covered peril, such as wind, hail, lightning, or a tornado. However, if the tree falls due to neglect (e.g., it was already dead, diseased, or poorly maintained), insurance typically won’t cover the damage or removal costs.
Common Scenarios and How Coverage Applies
Tree Falls Due to Wind or Storm
Covered. If a storm, strong wind, or tornado causes a tree to fall and damages your home, garage, or fence, your policy should cover both the repairs and the tree removal (up to policy limits).
Tree Falls Due to Rot or Age
Not covered. If the tree was dead, diseased, or rotting, it’s considered negligence. Your insurance won’t cover removal or damage caused by this type of tree fall.
Tree Damages Your Home or Garage
Covered. If a tree damages an insured structure (like your home or garage), your policy typically covers the cost of repairs and may contribute to tree removal.
Tree Falls But Doesn’t Hit Anything
Maybe Covered: If the tree falls but doesn’t damage anything or block access (like a driveway or walkway), removal costs may not be covered. However, some policies may cover removal if it blocks critical access.
Tree Falls on a Neighbor’s Property
Their Insurance: If a tree from your property falls on your neighbor’s home, their insurance should cover it, unless negligence (such as ignoring a dead tree) is proven. In that case, your liability coverage may kick in.
Does Insurance cover Tree Removal?
Yes, tree removal may be covered by your home insurance if the tree causes damage to a covered structure or blocks access to your home (like a driveway or wheelchair ramp). However, if the tree falls without causing damage or blocking essential access, removal costs typically won’t be covered.
If removal is covered, most policies offer a cap—usually around $500 to $1,000 per tree, with a total limit of about $1,000 per claim. Always check your policy for specific coverage details.
How to File a Claim for Tree Damage in Arkansas
If a tree falls on your home, here’s a simple guide to file a claim:
Take Photos: Capture clear photos of the damage from different angles, including the tree, damaged structures, and the surrounding area.
Prevent Further Damage: If it’s safe, prevent additional damage (e.g., cover holes in the roof with a tarp).
Contact Your Insurer: Notify your insurance provider as soon as possible to begin the claims process.
Get a Quote: Obtain a removal estimate from a local arborist or contractor to speed up approvals.
Check Your Coverage: Your policy may include emergency services. If you’re unsure, ask your insurer for guidance on next steps.
How to Prevent Tree Damage
The best way to avoid tree-related claims is to stay ahead of potential issues. Here are some tips:
- Trim Trees Regularly: Keep limbs away from your roof, power lines, and driveway to prevent damage.
- Schedule Annual Inspections: Hire a certified arborist to check for disease, rot, or instability.
- Keep Records: Maintain documentation of your tree maintenance and inspections. This can help prove you weren’t negligent if you ever need to file a claim.
FAQ: Fallen Trees and Home Insurance in Arkansas
Does homeowners insurance cover tree removal in Arkansas?
Yes, if the tree causes damage to a covered structure or blocks access like a driveway, tree removal is typically covered, within policy limits.
Who pays if my neighbor’s tree falls on my house?
Generally, your insurance covers the damage to your property. If negligence (e.g., ignoring a dead tree) is proven, your neighbor’s liability insurance may cover the costs.
Will insurance cover damage from a tree that didn’t hit anything?
Typically, no. If the tree falls without causing damage or blocking access, removal is not usually covered.
How much will insurance pay for fallen tree removal?
Most policies reimburse between $500 and $1,000 per tree, with a total limit around $1,000 per claim.
Does home insurance cover dead or rotten tree damage?
No. Damage caused by neglected or diseased trees is considered preventable and is not covered by insurance.
What should I do if a tree falls on my house during a storm?
Take photos, prevent further damage safely, contact your insurer quickly, and get removal estimates from professionals.
Does insurance cover damage to fences or sheds from fallen trees?
Yes, if these structures are covered under your policy, damage from fallen trees is generally covered.
Can I choose the tree removal service myself when filing a claim?
Typically yes, but check with your insurer. They may have preferred vendors or specific guidelines.
Is tree damage from tornadoes covered in Arkansas?
Yes, tornado damage is a covered peril under standard home insurance policies.
Will filing a tree damage claim increase my insurance premium?
It depends on your insurer and claim history. Speak to your G&G Independent Insurance agent to understand potential impacts on your premium.
Final Thoughts
Fallen trees can be a major headache after a storm in Arkansas, but knowing what your insurance covers can help reduce the stress. Regular tree maintenance and understanding your policy can save you time and money.
For personalized guidance and to ensure you’re properly covered, contact G&G Independent Insurance, a trusted independent insurance agency in Arkansas, today to get a free quote and peace of mind for your Arkansas home.
