Missouri · The tree is debris. The roof is the claim.
Insurance pays to get a fallen tree off a covered building. It does not pay to cut a healthy one down.
A wind, ice, lightning, or fire loss can put tree removal inside the claim, because the covered damage is the house, the attached garage, or another structure. Taking down a leaning or dead tree before it falls is maintenance. So is a trunk that lands in the lawn and hits nothing the policy insures. This is educational, not a claim decision. The form and the deductible decide.
A detached shed or a fence is Coverage B, other structures, which on many HO-3 forms starts at 10 percent of Coverage A. That is common, not universal. Your deductible still comes off the building repair. Whose tree it was does not automatically move the deductible. Your policy responds to covered damage to your property. Whether the neighbor’s insurer pays you instead is subrogation and fault, not a promise. A neighbor’s healthy tree that your windstorm knocked over is still usually your covered peril, if wind is covered, subject to your deductible.
The Missouri pages around this: Missouri homeowners, where we write it, the Missouri insurance center, and what the coverages are. The regulator: Missouri Department of Commerce and Insurance.
