Insurance and Storms: It‘s Tricky If a tree falls on your property, you will have to pay out of pocket - insurance or no insurance. Standard homeowner’s policies only cover tree damage if the tree falls onto a home. Troy Thompson of Pinnacle Insurance in Coon Rapids says it can get complicated. “Definitely want to make sure you have homeowners insurance for a situation like this.
Good Question: Does Insurance Cover Freak Weather Damage?The cell phone video of a wall of ice marching towards Izatys Resort on Lake Mille Lacs is amazing. The slow-motion avalanche pierced the wall of at least one home. When the weather gets crazy, does insurance cover it? Much like the winds of a tornado tossing objects into homes and causing damage, the winds from the ice tsunami destroyed at least two boat houses, and sent ice inside at least one resort condo along Lake Mille Lacs.