It might appear that this is a simple “yes” or a “no” answer. It’s not. Does your homeowners insurance cover the removal of trees if they fell because of a specific peril, such as a windstorm, fire or vandalism. You may have to remove a tree that has fallen. It may be too expensive or your insurer will not pay. Does your homeowners’ insurance cover the removal of trees? Find out.
When is the best time for your insurance to cover tree removal?
Perils covered by your insurance policy include falling objects, fire, smoke and lightning. It also covers the weight of snow or ice. Insurance will usually cover the removal of trees from your property if they fall on you due to one of these perils.
Imagine that you have three pine trees in a small grove near your house. A strong windstorm knocks them down, damaging your roof. After you pay your deductible, the insurance company should cover the removal and repair of trees.
In this case, the trees fell onto the house. If the trees are far from the house they may not be covered. The cause of the fall and the damage caused to your property will determine the amount of coverage.
Lightning can also cause your apple tree to split in two when it strikes. If your home is damaged, you will need to have insurance to cover any costs.
This subtle difference can lead to confusion. The cost to remove the tree from your property if it is damaged by fire, lightning or lightning, will be covered if the tree has been damaged. If the damage was caused by hail, windstorms, lightning or snow, then your coverage only covers the buildings.
How can you get the best tree removal insurance for your home and property?
Does your homeowners’ insurance cover the removal of trees if they fall on your property but are not caused by hail, wind, snow or ice, for example? Short answer: No. If it falls on your lawn, you will be responsible for any removal costs.
Does your homeowners insurance include tree removal in the event of flood or earthquake damage? To cover damages caused by earthquakes or floods, you will need to purchase an additional policy or add a rider. Your standard policy does not cover the removal of trees due to flooding.
What about old age and other diseases like rot?
They are also excluded. If your tree is showing signs of decay or in its final years, you will be responsible for its removal.
The situation can get complex: If an insured tree falls due to a covered peril, but the adjuster determines that the tree was already damaged or rotten prior to the loss of the tree, the insurer could deny responsibility. You should have taken steps to prevent the damage before it occurred.
Arborwise Tree Service
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This post was written by a professional arborist at Tree Trimming Largo FL. Robert Miller is the owner of Arbor Wise Professional Tree Care, a locally owned and operated tree service company that offers superb lawn care by the most experienced Arborists. Arborwise Tree Services is a tree removal company that offers stump removal, tree pruning, stump grinding, fertilization, and tree restoration. We have an extraordinary lawn care industry notoriety covering the Pinellas county area.