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[Music] hello Im Brett Johnson president of the peak insurance group where we simplify insurance for you a wonderful plus to living in this part of the country is all the trees we have which make it such a beautiful place to live however the negative is we also have hurricanes tornadoes and other terrible wind storms those two things combined can lead to a lot of damage from trees and limbs falling during these storms the coverage is typically provided up to your tree removal coverage limit through your property policy if they fall on your house garage fence or other by legal definition real property now the tree just falls on your land and does not damage your property then it would not be covered under your property insurance to have that tree removed another common question during a windstorm my neighbors tree fell on my property and did damage now how is that covered well coverage would actually be paid under your property policy there was no negligence on your neighbors part be