Windstorms in the PNW: Are You Covered for Fallen Trees and Power Outages?

If you’ve lived in the Pacific Northwest for more than a season, you know how unpredictable the weather can be—especially when the wind picks up. Gusty storms can roll in fast, knocking out power lines, toppling trees, and leaving behind more than just a messy yard. But when the wind dies down, one question remains: Are you covered?

Let’s break down what your insurance may (and may not) cover when it comes to windstorm damage.

Fallen Trees: What’s Covered?

When a tree falls during a windstorm, the damage can vary—so can the insurance response. Here's a general rule of thumb:

• If a tree falls on your home or other insured structures (like a garage or shed): Most homeowners policies will cover the cost to remove the tree and repair the damage.
• If a tree falls but doesn't hit anything: Removal may not be covered unless the tree blocks a driveway or accessible ramp.
• If your neighbor’s tree falls on your house: Your own insurance typically handles it—then your insurer may seek reimbursement from your neighbor’s policy if negligence is involved.

Power Outages and Spoiled Food

Strong winds often knock out power. While most policies won’t cover every inconvenience, here’s what may be included:

• Food spoilage coverage: Some homeowners or renters policies offer limited reimbursement (often $500–$1,000) for food that spoils due to a storm-related outage. Double-check your limits!
• Loss of use coverage: If a power outage makes your home unlivable (no heat, burst pipes, etc.), your policy may cover temporary lodging or related expenses.
• Electronics and appliances: If a power surge damages your electronics, that may be covered—especially if you’ve added special equipment coverage or endorsements.

Preventive Tips That Can Help—and Sometimes Save You Money

Windstorm damage isn’t always avoidable, but there are a few steps you can take to reduce your risk and protect your home:

• Trim dead or overhanging limbs near your house
• Secure outdoor furniture or decorations
• Keep your roof in good condition
• Invest in surge protectors for electronics
• Consider a backup generator for long outages

Double-Check Your Coverage Before the Next Storm Hits

Not all policies are created equal. Coverage for fallen trees, wind damage, and power outages can vary widely depending on your provider, endorsements, and deductibles. At Sea Mountain Insurance, we help you understand what’s in your policy—and what’s not—so you’re not left in the dark when the wind picks up.

Need a coverage checkup or want to explore more storm protection options? Contact us. We’re here to help you weather the storm.