A tree fell on my home. Will I be covered?
According to the Insurance Bureau of Canada, a standard homeowner policy should cover damages to homes caused by snow, rain or wind, including damage caused by flying debris or falling branches or trees.
A collapse of a structure, such as your roof, due to the weight of ice or snow is also often covered under a standard home insurance policy.
Will the insurance company pay to remove the damaged branches from my property?
Probably not. Insurance covers damage to your fences, your roof, eaves troughs, windows, porches and outbuildings. But debris removal from your yard, in the absence of physical property damage, will generally be at your own expense. Check with your insurance company to see if they will pay to remove the debris when you file your property damage claim.
