Does Home Insurance Cover Tree Roots? 
Homeowners insurance does not cover tree roots . There is nocoveragefor removal and no coverage for damage caused by tree roots . Damage to your dwelling must be sudden and accidental . Tree roots cause problems over a long period of time and in most cases the problem is evident way before it becomes a big issue . A tree is nothing more then a plant that should be maintained by the homeowner . I suggest discussion the specific details of the tree root problem with your local agent . 