Homeowners insurance can be a complex topic, and determining whether or not fallen tree damage is covered by your policy requires a careful examination of the specific circumstances. Generally speaking, if a tree falls on your property and causes damage to your home or other structures, such as a fence or shed, your homeowners insurance may help cover the cost of repairs. However, if the tree was already rotting or in a state of disrepair before the incident, the insurance company may not cover the damages.

When it comes to debris removal, it can depend on your policy. If your home sustained damage, the insurance may cover the cost of removing debris in addition to repairs. However, if there was no damage to your home, your policy may not cover the cost of debris removal.

In the event that a tree from your neighbor's property falls and causes damage to your home or other structures, your homeowners insurance may help cover the repairs. Conversely, if a tree from your property causes damage to your neighbor's property, you may be held liable if neglect was a contributing factor.

Lastly, it's important to note that homeowners insurance policies generally don't cover damage to cars caused by fallen trees. You may be able to file a claim through your car insurance policy if you have comprehensive coverage. It's always best to check with your insurance agent or provider to understand the specific coverage you have for tree-related damage.