If a Tree Falls in My Yard, am I Covered?

As people assess damage from Hurricane/Tropical Storm Irene, they may wonder what their insurance policy covers. For example, if a tree falls in your yard but causes no damage to an insured structure, then your homeowners policy typically does not cover tree removal and debris cleanup. But, if a tree falls on your insured house and causes damage, then the policy will cover the damage. For more storm-related insurance issues, see the Hartford Courant and the Insurance Information Institute.