Does insurance cover a tree falling on my car?
The Louisiana Department of Insurance says that when a tree hits a garage with the car inside, your homeowners policy pays for the garage but not the car. Your auto policy pays for the car if that coverage is on the policy. That is Louisiana's guidance, so check your own policy and ask your insurer.
Emergency tree removal on a car is separate from the house. The Louisiana Department of Insurance says the homeowners policy pays for damage to the garage but not the car. The auto policy pays for the car when that coverage is on the policy.
Photograph the car and the tree, then call the insurer on the auto policy if that coverage is on it. That is Louisiana's guidance, so check your own policy.
A tree fell on the house. Here is the order to follow. is the safety order if the same tree also hit the house or a wire.
Does homeowners insurance cover tree removal? is the removal question. Keep it separate from the car.
A tree on a car in Mobile is still this insurance question. The city's right-of-way permit, if the tree is in that strip, is a separate step.
Sources
Where our facts come from
How this page was checked
- Licensed professional
- None. No licensed arborist or tree contractor has checked this page.
Ask a crew about the tree
A partner tree crew can call about the tree on the house. Asking is free, and the call does not hire them. If the tree is on a power line, call 911 or the utility before you ask a crew to come.