Yes, your home or rental property is covered for sudden, accidental and unforeseen damage to your home caused by trees. While we don’t cover the cost to replace any trees on your property, we’ll pay the reasonable costs you incur for removing the fallen branches or trees that damaged your home, so long as you get our consent first.
For example, if a tree has fallen and damaged your roof, we’ll cover the reasonable costs to remove and dispose of part of the tree to allow repairs to take place. However, we will not cover the removal and disposal of the rest of the tree.
It’s important to note that we’re unable to cover damage caused by trees if this is a result of the tree being rotten. For example, if a tree on your property is blown over in a storm and damages your home, this could be covered by your insurance policy as it happened suddenly. However, if your tree fell because it has been gradually rotting over time, then this might not be covered by your policy.
You can find the full details of what you’re covered for in our policy document, under the section 'How we will settle your claim', under 'Other costs we may pay when we settle your claim'.