Most Arkansas homeowner policies cover tree damage when a tree falls on a covered structure — your house, garage, fence, or vehicle. Many policies also cover removal of fallen trees blocking a driveway. But the rules vary by carrier, and how you document the damage matters as much as what happened.
Before we touch anything, we photograph the scene from multiple angles. We document the tree species, point of failure, and what it landed on. We provide itemized invoices that break out removal, debris hauling, and any tarping or stabilization separately, exactly the format adjusters expect.
A quick note: filing a claim doesn’t guarantee coverage, and we’re tree pros, not adjusters. Always call your insurance carrier first to confirm what’s covered before authorizing major work.