When a tree or large limb crashes onto your home, it can cause major damage—but getting your claim approved isn’t always as straightforward as it should be. Coverage often hinges on why the tree fell and whose property it came from. Most homeowners policies do cover structural damage and limited debris removal if the fall was caused by wind or a covered peril. But if the tree was rotting, leaning, or improperly maintained, insurers may argue neglect and deny the claim. And if the tree came from a neighbor’s yard, disputes over liability and responsibility can slow things down even further.
At Loti, we work quickly to document what happened, determine what’s covered, and ensure insurers don’t sidestep responsibility. We also help push past common delays caused by unclear weather reports, property line confusion, or debris removal limits buried deep in your policy.
OUR APPROACH
Falling Trees or Limbs—Clear Claims for a Common but Complicated Cause of Loss
Photograph the fallen tree and damage from multiple angles—up close and wide shots
Record weather conditions at the time of the loss (wind, rain, storm alerts, etc.)
Identify whether the tree originated on your property or your neighbor’s
Save reports from arborists, tree removal companies, or city inspectors
Ask your insurer for written clarification on debris removal limits and exclusions
Key Steps We Guide You Through:
At Loti, we bring structure and clarity to every claim, no matter how tangled the details. From proving wind-related loss to sorting out cross-property disputes, we make sure every branch of the claim is addressed—so you get the full recovery you deserve.
FREE RALLYBACKS
Homeowners insurance policies are designed to protect your home and personal property from a wide range of risks or perils. One of the important perils covered under most standard homeowners insurance policies is the falling objects/trees peril. This peril provides coverage for damage caused by objects falling onto your property, including trees, branches, and debris. Understanding how this coverage works, what it includes, and what might be excluded is essential for ensuring that you are fully protected in the event of such an incident.
This detailed guide will explain what the falling objects/trees peril is, how it works within a homeowners insurance policy, and provide specific examples to help homeowners understand when and how this coverage might apply.
Understanding the Falling Objects/Trees Peril in Your Homeowners Insurance Policy: A Detailed Guide
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