When will an insured's homeowners policy pay to remove a neighbor's fallen tree?

A homeowners policy typically provides coverage for removing a fallen tree if it poses an immediate hazard or obstruction to the property. In this case, if a tree is blocking the driveway, it creates a significant inconvenience and safety issue, which is why the policy would cover the removal. This coverage is designed to protect the insured from having to deal with potential hazards that impede access to their home.

While the other scenarios present situations involving fallen trees, they do not align with the conditions under which the homeowners policy would typically cover tree removal. For instance, the need for damage to exceed a certain dollar amount or the status of the neighbor’s insurance doesn't directly pertain to the homeowner's policy responsibility for their own property or immediate hazards. Therefore, the primary determinant is whether the tree removal directly relates to maintaining safe access and mitigating risks associated with the obstruction, such as a blocked driveway.