Does homeowners insurance cover a tree falling on your home?

No, that's routine maintenance and prevention. It's the responsibility of a homeowner to keep trees and shrubbery cut back far enough from your home to prevent intrusion and damage to the homes structure.

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BTW, if the tree has damaged the roof, your rate may go up or the insurance policy dropped since you had a maintenance problem that you didn't resolve. If they could prove that you KNEW about the problem and did nothing to solve it, they might not have even paid the claim.