How fallen trees are usually covered
Damage to the house, garage or fence is part of the dwelling or other-structures claim, and removing the tree from the structure is usually part of that repair. Hauling trees away from the yard is debris removal, which many homeowners forms limit to about $500 per tree and $1,000 per storm, often only for trees that hit a covered structure or blocked a driveway. Some forms are broader. Check yours.
What this calculator assumes
- The structure repair estimate includes removing the tree from the structure.
- Debris limits apply to hauling each eligible tree away, up to the per-tree and per-storm caps.
- The deductible is applied once, to the structure claim.
Example figures
The starting numbers are illustrative only. Real limits and deductibles depend on your policy.
Questions about this tool
Why was most of my tree removal bill not covered?
Debris removal limits are small compared with the cost of removing large trees. Trees that hit nothing may not be covered at all under some policies.
Does the per-storm limit include the tree on my roof?
Usually not, if removing it is part of repairing the structure. How your carrier applies the limit is worth asking in writing.