Does Homeowners Insurance Cover Damage From A Fallen Tree?

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   Bill Sims

   Producer, Kendall & Associates Insurance Agency, Greenville, SC

   In most circumstances, damage from a fallen tree to your home will be covered by the homeowners policy, subject to your property deductible.  The coverage amount will be up to the limit shown on the policy.  What is sometimes not covered, or only covered in a limited amount, is the actual cost to replace the fallen tree and/or the cost to remove the debris from your yard.

   Answered on January 6, 2014

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