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Does my TD Insurance homeowner policy cover a tree falling on my property?
Coverage for a fallen tree depends on whose property the tree resides on:
- The tree resides on your property: This may or may not be covered, depending on what caused the tree to fall. Coverage could include the tree itself or debris removal. In addition, if there is resulting property damage, you may be able to make a claim for that.
- The tree resides on a neighbour's property: If your neighbour's tree falls on your property, you may be covered for debris removal and for any resulting damage to your real property, under the "falling object peril" coverage.
- The tree resides on property owned by the City: If a tree owned by the City falls on your property, you should immediately contact the City, which may remove the debris. You may be covered for any resulting damage to your real property, under the "falling object peril" coverage.
It's important to keep in mind that you'll typically have to pay your deductible for a covered loss. Also, coverage limits will apply. Read your policy or check with your advisor to learn what type of coverage and how much coverage your policy provides for damage caused by a fallen tree. For more information, visit our 'What to do if a tree damages your property' article.
Please note that the answers to the questions are for information purposes only and do not constitute a legal opinion on the various types of coverage discussed. Individual circumstances may affect your coverage. In case of discrepancy between the answers contained herein and your policy, the policy prevails.