IINC Explains What Is, Isn't Covered By Insurance

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With high winds forecast to slam California, homeowners may wonder whether they are financially protected from flying debris and falling trees.
   
The answer is a conditional yes, though there are some exceptions to standard insurance policies that homeowners should be aware of, according to the Insurance Information Network of California.
   
If a tree falls and damages an insured home, both the damage to the property and the cost of tree removal are typically covered within the limits of the homeowner’s insurance policy. Tree removal is generally covered up to $500 under these circumstances
    
However, should a tree fall but not damage the home, the cost of tree removal is typically not covered by insurance. Though damage to trees and shrubs is covered due to losses from vandalism, theft and fire, insurance generally will not replace greenery damaged by a storm.
   
IINC is a non-profit and non-lobbying trade association dedicated to helping the public understand insurance and manage risk. For more information on this and other related subjects, visit the IINC web site at www.iinc.org. IINC can also be followed as @iinc on Twitter and on Facebook at facebook.com/iinc.org.