When Doesn’t Home Insurance Cover Tree Removal?

Sometimes, homeowners’ insurance won’t pay for tree and stump removal. This means you’ll have to cover the cost from your pocket. In such cases, it is advisable to get multiple quotes from different tree service providers, ensuring cost-effective solutions without compromising quality. Here are scenarios your homeowners’ insurance might not cover tree removal.

No Damage to Property

Trees can fall for various reasons, including adverse weather, diseases, and infestations among others. When a tree falls on your property and doesn’t cause damage, the insurance company might not be responsible for removing it. As stated, most insurance companies cover removal along with property damage. If there’s no damage to your home or other nearby structures, call a tree care company for removal services.

Preventive Tree Removal

Homeowners’ insurance usually won’t cover the cost of removing a potentially hazardous tree on your property. Whether a tree is sick or leaning precariously, removing it is usually the homeowner’s responsibility. The best way to stay ahead of potential tree-related hazards is to schedule routine maintenance checks with a reputable tree care company.

Events not Covered by Your Policy

If the cause for the fallen tree is not covered by your policy, such as a flood, mudslide, or earthquake, you will cover the removal costs. It is crucial to go through your policy thoroughly and consult a legal professional for advice. This will help you familiarize yourself with the covered events to avoid inconveniences down the line.

How Much Does Tree Removal Cost?

Now that you know the scenarios that are not covered by homeowner’s insurance, knowing what to expect when you hire a tree service provider is crucial. Since different companies charge varying rates, acquire multiple quotes from at least 4 arborists to determine the best option for your budget without compromising quality. In addition, ask for a written quote that contains all the potential costs for peace of mind. This goes a long way to prevent inconveniences and extra charges.

Does Homeowners Insurance Cover Tree Damage to Your Neighbor’s Property?

If a tree on your property falls on your neighbor’s property and causes damage, their insurance company should cover the restoration costs. You don’t have to file a claim with your insurance provider. However, you may be responsible if your neighbor has a paper trail to prove they warned you of potential risks.

Tree removal is a necessary landscaping task that requires careful planning. Contact us at the Arbor & Acre and schedule a consultation with our experts to learn more about tree services and homeowners’ insurance. Whether your policy covers tree removal or not, you can count on us to provide exceptional services without breaking the bank.