This might seem like a simple answer of “yes” or “no”. It’s not. Does your homeowners’ insurance cover the removal or trees that fall because of specific perils, like a fire, windstorm, or vandalism? It may be necessary to remove a fallen tree. You may not be able to afford it or your insurance company will not pay. Does your homeowners insurance cover the removal or trees? Find out.
When is the best moment to remove trees covered by your insurance?
Your insurance policy covers falling objects, fires, smoke, and lightning. The weight of ice or snow is also covered. If you are hit by a tree due to one or more of these perils, your insurance will cover the cost of removing it.
Imagine you have three small pine trees near your home. They are knocked down by a strong windstorm, causing damage to your roof. The insurance company will cover tree removal and repairs after you have paid your deductible.
In this case the trees fell on the house. The coverage may be denied if the trees are too far away from the home. Your coverage will depend on the cause of the accident and the damages caused to your home.
Lightning can also split your apple trees in half when it strikes. You will need insurance if your home is damaged.
This subtle difference may cause confusion. If the tree is damaged, the cost of removing it from your property will be covered. Your coverage will only cover the buildings if the damage was caused from hail, windstorms or lightning.
How do you find the best insurance policy for tree removal on your property?
Does your homeowners insurance cover the removal or trees that fall on your property, but not because of hail, wind, ice or snow? The short answer is no. You will be responsible for all removal costs if it falls on your lawn.
Does your homeowners’ insurance cover tree removal in case of earthquake or flood damage? You will need an additional policy to cover damage caused by floods or earthquakes. The standard policy will not cover trees that are removed due to flooding.
What about rot and old age?
These trees are excluded as well. You will be responsible for the removal of your tree if it shows signs of decay, or is in its final year.
It can be complicated: If a tree is insured and falls because of a covered peril but the adjuster determines the tree had already been damaged or rotten before the tree fell, the insurer may deny liability. You should have taken measures to prevent damage before it happened.
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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.
