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Many, if not all, insurance policies cover trees that fall due to weather events — like storms, winds, and lightning. Your policy will likely cover both the damage caused to your property and the cost of removing the fallen tree itself. Some insurance policies won’t cover removing a fallen tree if it doesn’t cause any damage. Many policies will not cover a tree that falls due to neglect (e.g., rot, loose limbs), which is why proactive tree removal is so important.
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