As clean up efforts get underway on the U.S. East Coast and in the Northeast following Hurricane Irene, one question on many peoples’ minds is whether their insurance covers fallen trees.

The good news is that if a tree hits a home or other insured structure due to wind, standard homeowners policies provide coverage for the damage the tree does to the structure and the contents in it.

It does not matter whether or not you own the tree. If it lands on your home, you should file a claim with your insurance company, the I.I.I. says.

If a tree hits an insured structure, such as your house or garage, there is also coverage for the cost of removing the tree, generally up to about $500 to $1,000, depending on the insurer and the type of policy purchased.

The I.I.I.’s Jeanne Salvatore has the answers to your fallen tree questions in this video: