Does Auto Insurance Cover Damage Caused by Fallen Trees or Branches?

Heavy rain and strong winds can sometimes lead to fallen trees or branches, leaving vehicle owners wondering if auto insurance will help cover the damage. At Ozzy Insurance Group, we know how important it is for our clients to understand their coverage options and feel financially confident about what to do if their car is damaged.

What Type of Coverage Can Apply?

Comprehensive coverage is a part of your auto insurance policy that can help pay for damage from falling objects like trees or branches. Other covered risks may include fire, theft, vandalism and weather disasters.

If you only carry liability or collision coverage, damage from a fallen tree may not be covered.

What Should You Do After an Incident?

If your vehicle is damaged by a fallen tree or branch, you’ll generally want to take the following steps:

• Move away from any hazards and avoid touching downed power lines.
• Document the damage by taking clear photos and videos of your vehicle.
• Contact local authorities if the tree is blocking a roadway or presents a safety risk.
• Review your policy to confirm your coverage and deductible.
• Notify our team at Ozzy Insurance Group as soon as possible so we can guide you through the claims process.

How Ozzy Insurance Group Can Help

Our team is here to help drivers navigate the claims process and understand their auto insurance options. We can review your current policy, explain how comprehensive coverage works, and help you make informed decisions about insuring your vehicle against various risks.

Contact us if you have questions about your coverage or need claims assistance after an incident.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.