Cutting my own tree down and hitting my house. Is it covered by house insurance?

dont risk it, tell them it fell in last nights storm.

tough crap dear. insurance fraud usually is frowned upon….

It would have to be classified as a covered peril. Examples of viable tree perils are wind, lighting, falling objects. Cutting down your own tree is not a covered peril.

The adjuster will probably figure it out if you make a claim.

Don’t lie about what happened. Turn the claim in, tell the truth, and see if the insurance company will pay. Two weeks ago, I had a client call me, and he had done the same thing you did. We filed the claim with the company, and much to my surprise, it was covered. I can’t guarantee your company will cover this claim, but its worth a shot.

Any damage the tree does to your house, is covered, subject to your deductible. It’s considered a falling object.

I’m assuming, of course, you have a standard HO3 type homeowners policy.

if you did this on purpose, then its not covered.

but, i doubt you did this on purpose.

so you should be ok…..

as far as committing fraud…dont do it…why expose yourself to jail for just a few thousand or less!