TREES AND DEBRIS REMOVAL: Most insurance policies cover debris and tree removal if the downed tree damaged your property, regardless of who owns the tree. However, there are limits that the company will pay for debris and tree removal (commonly $500). Usually, coverage for debris removal does not exist if the tree fell on the ground and did not damage covered property. Some policies provide debris and tree removal if the downed tree blocks the main entrance to the property. Since insurance policies vary between insurers, you should always refer to your own personal policy to determine coverage.
DOWNED SERVICE POLE: Some insurance companies consider a service pole located on your property covered under a homeowner’s policy. However, it is important to review the language in your policy, call your insurance agent or contact the insurance company for coverage clarification.