If a Tree Falls in Your Yard


If a tree falls in your yard, and no one hears it, is it covered by your insurance? What about the cost to remove a fallen tree? The answer, as it is with all insurance questions, is “it depends”. Policy forms vary, of course. This post assumes that you have an “HO-3” Maine homeowners insurance policy using forms from the Insurance Services Office (ISO). This is the most common type of homeowners policy in Maine.

Did The Tree Hit Your Home?   tree damage

If so, you probably have coverage for:

  • The cost to remove the tree
  • The damage to your home

But, not coverage of the cost to replace the tree itself.

Is a Fallen Tree Blocking Your Driveway?

Depending on the edition of your home insurance policy, you may have coverage for at least some of the cost to remove a tree that’s blocking your driveway. Even if it didn’t damage any of your property, the 2000 edition of the HO-3 policy provides $1000 of coverage. Older forms have no coverage unless the tree hits a covered structure.

Did The Tree Hit Something Else on Your Property?

If your fence, garage or other “structure” is damaged by a fallen tree, you would have the same coverage as if it hit your home.

Did the Tree Hit Your Car?

If so, your homeowners policy isn’t going to help you fix your car. Hopefully, you have Maine auto insurance, and chose to buy “other than collision” (widely known as “comprehensive”) coverage. If so, the damage to your car is covered. The cost to remove the tree is not covered by either home or auto insurance, unless the tree blocks your driveway (see above).

Did the Tree Hit Your Neighbor’s Property?

If so, the property coverage part of your homeowners insurance may not apply, but your liability insurance might. For a more detailed explanation, see our prior post “Is Your Fallen Tree Covered by Maine Homeowners Insurance?

If you live in Greater Portland, contact a Noyes Hall & Allen Insurance agent for answers to your Maine renters insurance, homeowners insurance and condo insurance questions. 207-799-5541. We’re independent and committed to you.