Does Homeowners Insurance Cover Dead Tree Removal? 
If the demise of the tree was naturally occuring then homeowners insurance will not cover the removal . That would be considered a maintenance issue and homeowners insurance does n't cover maintenance . However if the tree came down on and damaged the home , some coverage would be provided under the debris removal clause of the policy . Lightning damage to trees is also covered by most comprehensive policies , though a low $ $ limit of coverage is provided . Check with your local insurance professional . 