When a tree falls on your car it’s natural to assume that your homeowners insurance will cover the damage. But whether or not you’re covered depends on a few factors.
First it’s important to understand that there is a difference between tree damage and wind damage. If a tree falls on your car because of high winds then your homeowners insurance will likely cover the damage. But if the tree falls because it is old and rotted your insurance company will likely consider that to be “act of God” and not covered.
Second even if the tree damage is covered by your homeowners insurance there may be a deductible that you will have to pay. Deductibles for tree damage can be anywhere from $250 to $1000 so it’s important to check with your insurance company to see what your deductible is.
Lastly if the tree damage is severe and your car is totaled your homeowners insurance will only pay up to the actual cash value of your car. So if you have an old car that is not worth much your insurance payout may not be very high.
If you’re concerned about tree damage to your car it’s a good idea to talk to your insurance agent to see if you have coverage and to understand what your deductible might be. It’s also a good idea to have a plan in place in case of an emergency such as having a friend or family member who can pick you up if your car is not drivable.
Does homeowners insurance cover tree damage to car?