What happens when a tree falls in your yard and DOES NOT hit your home: Whether it's your neighbor's tree or your tree, most MA homeowners insurance companies will not pay for it to be cleaned up (debris removal). However, if it is blocking the street or a ramp designed for the handicapped, some insurance companies may pay for the cost of removing it. If you notice that your neighbor's tree is damaged and may possibly fall on your property, be proactive and talk to your neighbor about removing it before it falls.
So what happens when the tree falls and DOES hit your home?
While we're on the topic, if a tree falls and hits your car - that's actually an auto insurance claim. MA homeowners insurance policies exclude any damage to your vehicles. If a tree falls and damages your car, you would file a claim under your MA auto insurance policy as a "comprehensive" claim.
As always please contact us to review your MA insurance policies. Insurance can be tricky.. We'd love to help you out and make sure that you have the coverages that you need. We can be reached at (978) 562-3464.
Thomas E. Sears Insurance Agency, Inc.