🌳 Does Homeowners Insurance Cover Tree Damage in Michigan?

Falling trees are a common source of property damage during Michigan’s heavy storms. But when a tree crashes down, whether it belongs to you or your neighbor, will your homeowners insurance cover the damage and the cleanup? Here’s what you need to know.

✅ What Tree Damage Does Insurance Cover?

Michigan homeowners insurance typically covers tree damage to insured structures caused by sudden, unexpected events like:

• 🌬️ Windstorms
• ⚡ Lightning
• 🌨️ Ice or hail
• 🚗 Vehicle impact (not caused by a resident)
• 🔥 Fire or explosion
• 💣 Vandalism or theft

Coverage only applies when the falling tree causes damage to your home, garage, shed, fence, or other insured structure. Damage to your lawn or cosmetic landscaping alone is typically not covered.

🏡 Does It Matter Who Owns the Tree?

No. If a neighbor’s tree damages your home, your policy may still cover it, especially if it was a weather event. However, if your neighbor neglected a dead or rotting tree, your insurer may seek subrogation to recover your deductible from their insurance company.

🪓 When Will Insurance Pay for Tree Removal?

Tree removal is usually covered up to $500–$1,000—but only if:

• The tree hits an insured structure (home, garage, shed, fence)
• The tree blocks access to your home, driveway, or handicap ramp

If a tree falls in your yard without hitting anything, you’ll likely pay for cleanup unless your policy includes a debris removal endorsement.

🌿 Are Trees and Shrubs Themselves Covered?

Yes, but only for specific perils. Most Michigan policies cover up to $500 per tree or shrub for damage caused by:

• Fire or lightning
• Explosion or riot
• Vandalism, theft, or aircraft
• Vehicle damage (by non-residents)

If you operate a tree nursery or grow plants for business purposes, you’ll need a separate commercial insurance policy.

🚫 When Tree Removal Is NOT Covered

Your homeowners insurance won’t cover tree removal if:

• The tree didn’t strike an insured structure
• The fall was due to owner negligence (e.g., ignoring a rotting tree)
• The damage was cosmetic only (e.g., crushed bushes or lawn)

⚠️ In these cases, you’re responsible for all removal costs.

🚘 What If a Tree Hits Your Car?

Your homeowners policy does not cover vehicles. If a tree damages your car, your auto insurance must include comprehensive coverage to pay for:

• Tree removal from the vehicle
• Auto body repair or replacement

Learn more about Michigan auto insurance coverage ➝

🧹 City Trees or Public Street Damage

If a tree falls into the public right-of-way (like a street or sidewalk), the local government may be responsible. Contact your city or township to confirm:

• Whether they handle removal of the tree from the street
• If you’re still responsible for any portion on your property

🪴 Prevention Tips to Avoid Costly Claims

Here’s how to protect your home and avoid denied claims:

• Schedule annual inspections for older or leaning trees
• Remove dead limbs or trees showing signs of rot or fungus
• Hire a certified arborist before storms or winter ice

📌 Real Michigan Example

In 2023, after severe storms swept through metro Detroit, insurers reported thousands of claims for roof and garage damage caused by fallen trees—many of which originated from neighboring properties.

📄 Summary Table: What’s Covered

Scenario	Covered?
A tree falls on your house during a windstorm.	✅ Yes
The neighbor’s tree damages your garage	✅ Yes (subrogation may apply)
A tree falls in yard without damage	❌ Not covered (unless debris endorsement added)
A tree hits your vehicle	🚗 Covered by auto policy (if comprehensive added)

🔗 External Resource

NAIC Guide: What Homeowners Insurance Does and Doesn’t Cover

💬 Still Have Questions?

We’re here to help! If you’re unsure about your current tree damage coverage or debris limits:

🌳 Get a Michigan Home Insurance Quote