Trees add beauty, shade, and value to a property, but when disaster strikes, they can become a homeowner’s worst nightmare. Understanding how your homeowner’s insurance policy handles tree damage is crucial before a storm rolls in. Here are the top five questions homeowners ask about trees and their insurance coverage. 1. Does my policy cover damage from a tree falling on my house? Yes, generally. Homeowner’s insurance policies typically cover damage to your dwelling and other structures (like a garage or fence) caused by a tree or limb that falls due to a covered peril. These perils usually include windstorms, hail, lightning, ice or snow accumulation, or fire. The policy…