Cleanup continues in the region from the deracho on June 29th and now what may have been a tornado or microburst off Lafayette Boulevard in Spotsylvania Sunday night.
Owner of Beck Insurance in Fredericksburg, David Beck, says if a tree just falls into a yard, it is considered an "act of god," and usually not covered. If your tree falls onto your house it is covered under your own policy. If your tree falls on a neighbors house, it is also covered under your policy. If their tree falls onto your house, it is then covered under their policy.
Reporting any damage immediately is key to avoid the problem getting worse from rain and other elements. Being proactive can help in the long run. If you cut up the tree or pay to have it professionally done, many companies will take that out of the deductible or waive it all together.
Most policies are written comprehensively these days. They cover everything from reimbursement of food ruined from power outages to trees falling on your house. In some cases, a policy will even reimburse for temporary living expenses.