Tornadoes and windstorms often cause damage to many trees, both large and small. If a tree fell on your property and caused damage, you may want to check your policy to see if you’re covered for fallen tree damage. Your insurance company should cover the damage if they determine that the tree fell on your property because of the wind. However, they’re likely to chalk it up to a maintenance-related issue if the tree was already damaged or rotting before the storm.