You can be at risk of a tree falling over on your property either due to rain, flooding, lightning, wind or even drought.
Refer to your insurance policy under either the Building- and/or Household Contents Section, to ensure that you are covered for damage caused due to a tree falling over on your property.
In general you will be covered for the impact damage to your buildings and/or household contents, and the clearing-up cost of the removal of any debris or a fallen tree from your property, after a valid claim.
You will not be covered if a tree felling company is busy felling or cutting down the tree.
It remains important that you prevent trees from falling over by scheduling regular maintenance, like crowning and pruning OR ask a professional arborist to assist you with the correct planting of a tree; the identification and treatment of any tree diseases; or the management of veteran trees.
Keep your trees growing!
Article by Theresa du Preez