Does Insurance Cover Tree Removal?

In any case, those looking for a reputable tree company to take care of the tree removal can call Arbor & Acre. We offer competitive prices on our premium services, and we regularly share special discounts and coupons on our website.

If the Tree Causes Damage to Your Home

If a tree falls on your home due to an unexpected force, your insurance will likely cover the removal costs. Most policies include provisions for repairs to your home or other covered structures like a garage or shed due to damage caused by fallen trees.

If the Tree Blocks Access to Your Property

Some insurance policies cover tree removal if the fallen tree blocks your driveway or prevents access to your home. While it may not have caused physical damage, the obstruction itself can qualify as a covered peril.

If a Neighbor’s Tree Falls on Your Property

When a neighbor’s tree falls onto your home or property due to natural causes, your insurance usually covers the removal and repair costs. However, if the tree was clearly dead or neglected and your neighbor failed to address the issue, then their insurance might be liable instead.

When Does Insurance NOT Cover Tree Removal?

Unfortunately, there are scenarios where your insurance won’t step in to help. For instance:

• If a tree falls in your yard without damaging any structures or blocking access, most insurance policies will not cover its removal. You’ll need to handle the cleanup costs yourself.
• If a tree’s poor condition (such as rot, disease, or obvious leaning) contributed to its fall, then your insurer may deny the claim by arguing that the issue was preventable.
• Removing a leaning or dead tree before it falls is a smart safety measure, but it’s not typically covered by insurance unless it’s an imminent threat due to a covered peril (like an approaching hurricane).

The information here is not definitive. You should consult your insurance policy for specific answers. You can also contact your insurance provider to ask them to clarify.

Hire Tree Care Professionals

Many property owners wait until the damage is done to call the tree service professionals, but proactive measures can save you from the headache in the first place.

Routine tree care such as tree trimming and pruning can keep your tree in good health so that you can rest assured it’ll stand in place even during harsh storms.

If you’re looking for a reputable tree service company in the area, then consider the uniformed professionals at Arbor & Acre. Our team is here to take your call or message today.