Is a Tree Falling Caused by Wind Damage?

What Is the Impact of Wind on Trees?

It’s a common question after a tree falls during a storm: Does insurance consider it wind damage? Here’s a breakdown of how insurance companies typically view fallen trees and their relation to wind damage.

Wind Damage and Fallen Trees

If the wind causes a tree to fall, it is typically considered wind damage by insurance companies. However, the way the tree falls (whether it’s caused by high winds or simply a weak, diseased tree) can affect the outcome of your claim.

The key is whether the tree’s fall was caused directly by wind or another factor, like rot or disease. If it’s storm-related, most policies will cover removal. However, if the tree falls for non-weather-related reasons, the situation changes.

Roof Saved After Windstorm in Raleigh, NC

Problem: Following a major windstorm, a large pine tree fell onto a family’s roof. The homeowner contacted us immediately to handle the situation before the storm caused further damage.

Challenges: The tree was blocking the driveway, and there was damage to the roof from the fall. Given the severity of the wind, the tree was classified as wind damage, and the homeowner’s insurance helped cover the removal costs.

Outcome: We were able to remove the tree using a crane and clear the debris. The homeowner was relieved that their roof was saved from further water damage, and the insurance covered most of the removal costs.

Cost: The overall job cost was $6,000, which included the crane and debris removal.