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Does home insurance cover tree root damage?
A massive oak tree in our front yard has been wreaking unseen havoc—its roots have expanded and caused some damage to our house’s foundation. Is tree root damage covered by our homeowners insurance policy?
Nick Kunze · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Sorry to hear about your root damage—Mother Nature isn’t always kind to houses! Unfortunately, tree root damage likely is not covered by your homeowners insurance policy.
Homeowners insurance
covers named perils, which are specific catastrophes that can damage a home. These perils are all sudden, unexpected losses or damages. An insurance company would consider tree root damage to be caused by neglect, not an accident. If a tree falls on your house, however, any damage this caused would almost certainly be covered.
When searching for your next homeowners insurance policy, be sure to download the
Jerry
app. Jerry is an insurance broker that makes saving on your insurance policy easy. A fast sign-up process will give you access to dozens of personalized homeowners insurance quotes. You can use these quotes to find a new policy in just a few minutes. Join now and see why the average Jerry user saves almost $900 a year.View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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