What if a tree falls on your house during a storm?

Steve Barron asks: If a tree falls on your house due to a storm, does insurance cover the damage and tree removal or is it considered "an act of God"?

Answer: Your insurance would cover the damage and the tree removal. When you mention “act of God” that would be if the said tree that fell was on your neighbors property but fell on your house. It would be your insurance that paid not your neighbors insurance because it was an “act of God”. Many consumers think it is the fault of the person who "owns" the tree on their property but it is not.

I personally had a neighbors tree fall into my inground pool but it did no damage, so a claim was never filed. But if I had to file one, it would be on my own homeowner's insurance policy.

​Need a homeowner's insurance quote? tom@larseninsurance.com