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Another avenue to explore is home health care. While Medicare Part A does not cover long-term custodial care at home without a doctor's order for a specific illness or injury that requires intermittent skilled nursing visits or physical therapy sessions three times per week or more (known as "home health benefits"), it does provide some coverage for part-time or intermittent home health aide services under certain conditions. This can offer a bridge for those who need assistance but do not qualify for full custodial care coverage.

In cases where the tree causing the damage is on someone else's property, your homeowners insurance may still cover the repair costs if you have liability coverage. This is because liability coverage can extend to situations where you're indirectly affected by someone else's property hazards. However, if the tree is entirely on your property and causes damage to your own car, standard dwelling or personal property coverage would typically apply. Always check if your policy includes additional riders or endorsements for specific scenarios like this.

2. Types of Car Covers for SUVs Available at Walmart