🌳 What Kind of Tree Damage Is Covered by Insurance?

In most standard homeowners insurance policies in New Jersey, coverage for tree damage depends on two key factors:

1. Cause of the Damage

Insurance typically covers tree damage caused by “perils” such as:

Windstorms and hurricanes
Lightning strikes
Hail
Weight of snow or ice
Vandalism or vehicle impact (not by you)

If a tree falls due to one of these reasons and causes damage to a covered structure (like your home, garage, or shed), your insurance will likely pay for repairs — minus your deductible.

2. Type of Property Affected

Coverage is usually provided when a tree damages:

Your house or attached structures
Fences, sheds, or detached garages
Vehicles (under comprehensive auto coverage)
Landscaping (to a limited extent)

But — if a tree falls in your yard without hitting anything, many policies won’t pay for removal, unless it blocks a driveway or disables a ramp used for a handicap-accessible entrance.

⚠️ What’s Not Covered?

Insurance does not typically cover tree damage when:

The tree falls due to age, rot, or disease (a maintenance issue)
You were aware the tree was dangerous and didn’t address it
The tree falls but causes no property damage or blockage
It was caused by flooding or earthquakes, which require separate coverage

Understanding these exclusions is key. That’s where a professional public adjuster like Atlantic Adjusting Co. Inc. becomes essential — we read the fine print so you don’t have to.

🛠️ Who Pays for Tree Removal?

If a neighbor’s tree falls onto your property, the damage is usually covered by your own homeowners policy, not theirs. It may seem unfair, but that’s standard insurance practice — unless you can prove the neighbor was negligent and ignored a known hazard.

Tree removal costs are typically covered only when the tree hits a structure or causes a blockage. Most policies cap removal coverage at $500–$1,000 per tree.

📋 How to File a Claim for Tree Damage

Here are the basic steps you should follow after tree damage occurs:

Document Everything
Take clear photos or video of the damage before starting cleanup.

Prevent Further Damage
Cover holes, broken windows, or exposed areas to prevent water intrusion. Keep receipts for any emergency repairs.

Contact Your Insurance Company
Report the damage as soon as possible and begin the claims process.

Call Atlantic Adjusting Co. Inc.
Before signing anything or accepting an initial settlement, let us review your policy and damage. We’ll negotiate on your behalf to ensure you get every dollar you’re entitled to.

🤝 Why Work With a Public Adjuster?

Insurance companies have adjusters on their side — shouldn’t you?

At Atlantic Adjusting Co. Inc., we work for you, not the insurer. Our experienced team of licensed public adjusters has helped hundreds of New Jersey homeowners maximize their claims and avoid costly mistakes.

We know the language, the loopholes, and how to push back when your claim is unfairly denied, delayed, or underpaid. With tree damage claims, every detail matters — and we make sure nothing gets missed.

🏡 Peace of Mind for NJ Property Owners

Living in New Jersey means dealing with seasonal storms, heavy snow, and unpredictable weather. Tree damage is an unfortunate reality — but you don’t have to face it alone.

Atlantic Adjusting Co. Inc. is here to guide you through every step of the process. We’ll handle your claim from start to finish so you can focus on getting your property — and your life — back on track.

📞 Call us today at (888) 516-ADJUST to schedule a free claim consultation.

🔗 Visit us online at https://atlanticadjustingcompany.com/