Larry Trapani 10/9/2012 3:42 AM Trees and Insurance Fallen trees can cause huge damage to a home or car. Most trees should be pruned during seasons when they are dormant or winter months. During a storm trees, shrubs and branches can become projectile causing massive damage to property. Whether you own a tree or not, that lands on your home you should file a claim with your insurance company. If a tree hits an insured structure such as your house, there is coverage for the cost of removing it, depending on the type of policy purchased. If the tree did not hit an insured structure, then there is no coverage for removal of debris. Some insurance companies may pay for the cost of removing a tree if it’s blocking a driveway or handicap ramp. Cars that are damaged but a down tree are covered under the comprehensive portion of the auto insurance policy.Standard home insurance policies also cover damage to trees caused by fire, lighting, theft, and vehicles now owned by the resident, to name a few. Trees and plants grown for business purposes require a separate insurance policy.