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It may depend on the type of policy you purchased, A conversation with your insurance agent should let you know if you have the needed coverage.

Most home insurance policies cover sudden accidental losses resulting from the listed covered perils such as fire, wind, hail, falling objects etc. Damage resulting from encroachment of tree roots are usually not a covered peril as this is generally considered an owners maintenance issue.

In any case you should discuss the matte r with your insurance agent to determine what type of policy and scope of coverage you have and explore any coverage options that may be available on your policy.

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Q: Will home insurance cover in ground pool leaks caused by tree roots?
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