Tree Services Blog

Trees are absolutely beautiful and can add character to a property. However, trees can also become the nemesis to any homeowner, particularly in southwest Florida. We experience hurricanes and other storms that come with high winds that can cause branches, limbs, and full trees to come down and damage your property.

So does homeowners insurance cover tree damage? The short answer: it depends. Learn more about homeowners insurance when it comes to tree damage in Cape Coral, Fort Myers, and other nearby areas of Florida.

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What does homeowners insurance cover?

Every policy is different, but insurance typically covers building damage caused by fire, storms, and even acts of vandalism. Your policy may also cover damage to outbuildings and structures like sheds, garages, fences, etc. Tree related damage is one factor where it depends on the circumstances.

In some cases, insurance will cover debris cleanup, but often only if there is damage to buildings or structures.

How can trees damage your property?

Trees can cause damage to fences, roofs, sheds, and other structures. Hurricanes and high winds can knock over an entire tree or cause numerous big limbs and branches to potentially break off and fall onto your property.

Storms aren’t the only things that can cause trees to fall. Diseased trees can decay on the outside and inside, making them weaker and more susceptible to falling. Trees with signs of rot...