Under an insured's homeowners policy, when will the company pay to remove a neighbor's fallen tree?

A homeowners policy typically covers the removal of trees when they pose a direct obstruction or hazard to the insured's property. In this case, removing a neighbor's fallen tree is warranted when it is blocking access, such as obstructing the driveway. Coverage for this scenario is important because it affects the insured's ability to access their home, making it a priority for resolution.

The other options do not align with the standard provisions of homeowners insurance. For instance, damage thresholds, such as amounts exceeding $1,000 or the neighbor's absence of insurance, do not directly create an obligation for the insurer to cover tree removal. Additionally, while damage to the insured's vehicle might be relevant, it does not provide grounds for tree removal under most homeowners policies. The key aspect here is the immediate hindrance to the insured’s access, which justifies the coverage.