Can Insurance Cover Tree Removal

What Does Property Insurance Typically Cover?

Property insurance policies are designed to protect your home and other structures on your property from unexpected events like fires, storms, or vandalism. They’ll often cover damage to your home, personal belongings, and even liability if someone gets hurt on your property.

When it comes to tree services, however, the coverage can depend on the situation. That’s where it’s helpful to consider a few likely scenarios.

Scenario 1: A Storm Takes Down Your Tree

Imagine a strong Georgia thunderstorm complete with heavy winds and lightning knocks a tree onto your house. You’ve got a smashed roof and a massive oak in your living room. In this case, most standard property insurance policies will cover the cost of tree removal as part of repairing the damage to your home.

However, there’s a catch: If the tree falls without causing damage to insured property (like if it lands in your yard), then your policy might not cover the cost of removal. Check your policy’s fine print to know where your coverage stands.

Scenario 2: A Neighbor’s Tree Falls on Your Property

Now, let’s say your neighbor’s sweetgum tree takes a tumble during a windy afternoon and crashes onto your fence. Your property insurance should still have you covered. In most cases, your insurer will take care of repairs and removal then handle reimbursement from your neighbor’s insurance later if they were at fault.

Scenario 3: The Tree is Diseased or Dead

Here’s where things get a bit tricky. If a tree on your property was visibly diseased or dead and you neglected to address it, insurance might not cover the removal costs if it falls. Why? Insurers often view this as a maintenance issue rather than an unforeseen event.

Georgia’s humid climate can speed up rot and decay, making regular tree care crucial. That’s why it’s a good idea to bring in a professional to inspect and remove hazardous trees before they become a problem.

Scenario 4: Tree Removal for Landscaping or Convenience

Sometimes, you just want to remove a tree because it’s blocking the view of your beautiful Georgia sunrise or taking up space where you’d like to put a new porch swing. Unfortunately, insurance won’t cover tree removal for purely cosmetic or convenience reasons. That’s considered an out-of-pocket expense.

Why Hire Professionals for Tree Removal Service?

Whether you’re dealing with an emergency or planning ahead, hiring a reputable tree company for tree removals is always the smartest choice. Not only do professionals have the training and equipment to do the job safely, but they also often understand how to work with insurers and can help you navigate the claims process.

Still have questions or concerns? Call Arbor & Acre to get in touch with a knowledgeable member of our team.