Friday, August 19, 2022

Does Home Insurance Cover Tree Removal

Don't Miss

Your Damaged Trees And Shrubs Are Covered Up To A Point

Does insurance cover tree removal?

Stately trees and landscaping add value to a property and can be costly to replace. Standard homeowners insurance policies cover damage to trees and shrubs due to disasters or an accidentlike fire, lightning, explosion, theft, aircraft, vehicles not owned by the resident, vandalism and malicious mischief.

Coverage for these disasters is generally limited to 5 percent of the amount of insurance on the structure of the house and most insurers will cap the coverage for any one tree, shrub or plant.

Trees and plants grown for commercial purposes require a separate business insurance policy.

Other Additional Coverage For Home Insurance

Flooding can cause the roots of a tree to weaken and lead to a fallen tree. Its best to consider an additional flood insurance policy if you live near a flood zone. Through the National Flood Insurance Program , managed by the Federal Emergency Management Agency, you can buy a supplementary policy . Ask your insurer to assist you through the NFIP in buying additional coverage.

Lets say you live in a hurricane-getting area. Damage caused by winds may be covered by your policy. If it was wind or flooding that caused any trees to fall, your insurer will decide. If you live in a hurricane-prone region, it is always suggested that you have additional flood insurance.

Earthquakes are not covered by the standard HO-3 policy. Your insurer will, however, offer extra insurance for removals. When you live in an area prone to earthquakes, this additional insurance is helpful. The coverage, including debris removal, would extend to mudslides and related disasters. If you have a lot of trees on your property, this extra coverage will be worth purchasing.

Buying or not buying? Thats the question on your mind, probably. Compare insurance firms quickly and figure out what you need. To answer the age-old question now, use Insurify!

Should I File A Claim

Consider your deductible and a possible rate hike before you decide to file a claim. Deductibles are shared costs you must pay before your insurance covers your damages. The average deductible ranges from $750 – $1,000.

The median cost to haul away a tree ranges from $225 -500 , $500 – $900 and $900 – $2,500 .

Unless you had extensive damage to your home or need to have the tree cut down, it may not makes sense to file a claim.

Also Check: American Income Life Employment Scam

How Much Does Tree Trimming Normally Cost

There are many factors that influence the cost of trimming trees. The cost of trimming a tree with a height of up to 25 feet ranges between $250 and $750 depending on how much foliage is being removed.

Prices can range right up to $2000 for trimming work on really large trees that are hard to get to or awkward and time-consuming to work on.

You can take several measures to ensure that you cut down the cost of trimming your trees. For example, if the branches of your trees are hanging over power lines, a utility provider can trim them for free. Secondly, get an annual maintenance schedule for your trees to ensure that your trees are in good condition and avoid branch failure due to poor habit and structure.

Q: A Tree Fell On My Car Does My Homeowners Policy Cover The Damage

Does Homeowners Insurance Cover Tree Removal?

A. Your homeowners insurance typically will not cover damage if a tree falls on your car. However, you may be able to file an auto insurance claim if you have comprehensive coverage on your car insurance policy. Comprehensive coverage typically helps pay to repair damage to your car caused by falling objects.

Don’t Miss: Is Selling Life Insurance A Pyramid Scheme

Its All About You We Want To Help You Make The Right Coverage Choices

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.Our insurance industry partnerships dont influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines:

Many homes have trees surrounding them in the yard, but there are times when you need to have a tree taken down or a tree removed that has fallen on your property. If a tree has fallen, it can lead to significant damage and expenses, but is the tree removal covered by your home insurance?

Other Factors That Add To Cost:

The number of trees: Arborists charge high costs for trimming more trees. The higher the number of trees that need to be trimmed, the more the time needed to do the work. You should consider hiring a trimmer to trim all your trees at once as you are likely to get a better deal.

The health status: If a tree is considered unstable by the arborist, you will pay more for the services as special equipment such as a cherry picker will need to be brought in.

Location: If your trees are hard to reach, you will pay more for trimming services. For example, tree cutting services will charge more if the branches that need removing are handing over a home or power lines. The reason is it will take more time to rig up ropes and lower the branch down safely.

Urgency: In some cases, homeowners may need emergency services after situations such as storms and hurricanes. Trimmers will charge extra fees for emergency services. The cost may be as high as $250 per hour. Consider phone emergency services to make the tree stable and safe then call out tree trimming services afterward in a good time.

Don’t Miss: Car Insurance Cancellation Letter Progressive

Does Home Insurance Cover Tree Removal

If the tree falls on your lawn but doesnât damage your property, youâre on your own for debris removal. The same goes for dead trees or large branches. Home insurance is meant to help in unexpected, unpredictable emergencies, such as fire and flood. Itâs not a replacement for home maintenance, and insurers are likely to argue that damage from dead trees could be avoided if homeowners are vigilant.

There are exceptions, so if the tree falls into the street, or on power lines, your municipality will step in. Unless thereâs a fire or imminent danger, call your city support line to notify them.

If a tree blocks a driveway, your insurer may cover it. Itâs worth a phone call to ask. If it blocks your neighbourâs driveway, maybe pay for their cab to work.

When Will Homeowners Insurance Not Cover Tree Removal

If A Tree Falls on Your House, Does Homeowners Insurance Cover It? | Allstate Insurance

Not all tree removal scenarios are covered. Your home insurance company could deny removal coverage if a tree falls in the following situations:

  • During a flood
  • If the tree is dead
  • If the tree is rotted
  • If the tree is not well maintained

You may be wondering, Will homeowners insurance pay for dead tree removal? or Does homeowners insurance cover preventative tree removal? The answer to both is no. These scenarios are considered maintenance and are part of the cost of having trees on your property. If a tree is dead or needs to be removed as a preventative measure, your home insurance is not likely to pay.

You May Like: What Is The Best Dental And Vision Insurance

When A Tree Falls On A House Or Property

Depending on the cause of the damage, a tree falling on a house may be covered or not. If the tree was healthy and it was not a maintenance issue, then there is a good chance you have coverage in your homeowners plan. If the tree was unhealthy and fell due to it not being taken care of, you may not be covered.

Does Homeowners Insurance Cover Tree Damage

It may provide coverage under certain circumstances, but many kinds of tree damage are excluded. To find out the exact answer to the question, “Does homeowners insurance cover tree damage?” read your insurance policy carefully. That way, you can get a homeowners insurance coverage overview to better understand your coverage and exclusions.

Don’t Miss: Does State Farm Have Pet Insurance

Tree Removal Insurance Coverage Limits For Homeowners

Always check your policy for tree removal service coverage. A standard policy has coverage limits of around five percent of the insurance amount of your dwelling structure. You will generally see insurers place a $500 to $1,000 limit on the amount of reimbursement. Lets say the removal of your three maple trees costs $1,500, and your deduction is $1,000. Youll receive a $500 check.

Lets say, on the other hand, removing those trees costs $3,000, and your maximum payout is $500 per tree. For $1,500 only, you would get a check from your insurer, regardless of your deductible. In this scenario, your insurance pays for three trees with a $500 payout per tree. The payout will, of course, vary from policy to policy. Its best to check with your insurance agent to make sure that the landscaping on your property has the correct coverage limits. If need be, extra coverage may be warranted.

What If The Neighbor’s Tree Fell On My House

Does Homeowner

You also may be covered if your neighborâs tree topples over onto your home, as long as it fell due to a covered peril and landed onto an insured structure, like your house, garage, or fence. If a windstorm or the sheer weight of snow or ice causes your neighbor’s tree to fall down onto your house, for instance, your insurer will typically pay for the treeâs removal.

If your insurance company determined your neighborâs tree fell because it was diseased or dead and rotting, you may not be covered by your insurance, but you may be able tofile a liability claim with your neighborâs insurer. If it is proven that your neighbor knew about the dead tree and it fell because of their negligence, you may get a payout from your neighborâs insurance company.

However, negligence is difficult to prove with something like fallen trees. If your liability claim is denied, your other option would be to talk with your neighbor and see if theyâd be willing to pay for or split the cost of the treeâs removal.

Read Also: Does Anthem Cover Invisalign

Does Homeowners Insurance Cover Fallen Tree Damage

Homeowners insurance covers tree damage after a tree falls — under some circumstances. If a tree falls for a covered reason, such as wind or ice, then the resulting damage may be covered.

However, this is the case only if the tree damages a covered structure. For example, if a tree falls on a lawn and nothing is damaged, the insurer doesn’t pay anything. But if it falls on the house, a fence, or other structure, insurance would pay for the damages. For example, roof coverage in homeowners insurance would pay to repair a roof if it was damaged by a tree falling on it.

How Do I Protect My House From Tree Damage

While accidents happen, here are a few ways to maintain the health of your trees, and prevent any future home damage.

  • Hire an arborist. Arborists are trained to assess the health of your trees. Prior to winter or stormy weather, it might be a good idea to schedule an appointment with one to make sure your trees are in tip-top shape prior to inclement weather.
  • Give it a trim. Large or oversized branches can become hazards if not properly cared for and maintained, especially if they hang over your roof. Trimming back branches is an easy way to prevent damage to your home.
  • Look for signs of disease. If you notice dead or broken branches discolored or dead leaves falling outside of season or evidence of insect damage, fungus, or mold, your tree might be sick. Contact an arborist for a full tree health checkup.
  • Plant in the right spot. Strategically planting a tree on your property can save you a headache down the road. When choosing the type of tree, determine how big the species grows, considering canopy and trunk size, and plant it far enough away from your home to ensure the tree’s health and your home’s well-being.

Award-winning AAA insurance agents can help you find the right coverage for your needs. Call 323-4222 or request a quote online to get started.

Shopping for homeowners insurance or have questions on policy coverage?

Read Also: Is American Income Life Legit

When Will Homeowners Insurance Cover Tree Removal

Home insurance covers tree damage and tree removal in certain scenarios. Generally, if a tree or limb falls onto your home, onto a detached structure like a garage or shed, or is blocking your driveway, your policy could cover the removal, up to your limit. However, the reason that the tree falls is important. Removal may be covered if a tree falls under the following scenarios, but only if it falls on your home, an outbuilding or your driveway:

  • Windstorm
  • Under the weight of ice or snow
  • Lightning and the resulting fire
  • Other covered perils listed in your policy

Keep in mind, though, that all policies are different. Talk to your agent about the specifics of your policy to better understand whats covered.

When Is Tree Removal Covered By Home Insurance

Does Home Insurance Pay for Tree Removal

Your insurance policy traditionally covers damages from named perils including fire and smoke, lightning, falling objects and the weight of ice, snow or sleet. In most cases, if a tree falls on your home because of one of these common perils, insurance will cover the cost of removal.

So lets say youve got a small grove of pine trees next to your house, and in a violent windstorm, three of them are knocked over, damaging your roof. After paying your deductible, your insurance should cover the repairs to the roof as well as the removal of the trees.

Note that the trees in this instance fell on the house. But if the trees are far from the house, you may not be covered it depends on what caused them to fall and whether or not they caused damage to structures on your property.

Heres another example: the apple tree on your front lawn is struck by lightning and splits in half. Even though theres no damage to your home, your insurance would be obligated to pay. Why? Because with most standard policies, any damage on your property due to fire or lightning, explosion, riot, vandalism, or an aircraft falling on the property is covered no matter what.

Another factor that will depend on the particular wording of your policy is whether or not the insurer will pay to cover a replacement tree or just the removal of trees. Your policy may cover replacement costs, but youll need to talk to your agent to confirm.

Also Check: Is Ail A Scam

Willyour Home Insurance Pay For The Removal Of A Dangerous Tree

  • 30 Nov, 2018

Mature trees block wind, create asense of privacy, and cool your home by providing shade. Unfortunately, they’realso risk factors for damage to your home, any outbuildings on the property,your vehicles, and more. When you’re concerned about the condition of specifictree, you may wish your home insurance would cover the cost of removing it.

Tree removal terms vary by policy,but almost all home insurance providers share similar limitations on thisparticular process. Find out what you need to know about dealing with adangerous tree, whether it’s still standing or has already fallen.

Before the Tree Falls

Many homeowners are surprised tolearn that their insurance companies are not willing to pay for pre-emptiveremoval of diseased and dead trees. This is considered normal maintenance ofthe property, so cutting down these trees remains your responsibility as theowner. Even if removal would save money in the long run, insurance companieswon’t approve tree removal ahead of a collapse.

Once you know a tree is a danger toyour property or a neighbor’s home, you may become legally liable for payingfor damages if you choose not to remove it. Don’t rely on your insurancecompany alone when you need to complete some routine tree removal and landscapemaintenance around the home.

After a Fall

On Covered Structures

On a Neighbor’s Property

Onto Landscaping Features

Common Types Of Damage Caused By Trees On Your Property

While having trees on your property can be aesthetically pleasing, trees do come with maintenance costs and can even cause damage to the home in a number of ways, including:

  • Damage to roofs: Tree limbs that overhang your home can be knocked down during storms, damaging your roof and even falling into your house.
  • Damage to siding: Limbs can also blow into your siding or repeatedly rub against your home and cause scratching or deeper damage.
  • Interior water damage: If a tree limb or an entire tree has fallen onto or against your house during a storm, you may have rain coming inside, which can cause interior water damage.
  • Damage to service lines: The roots of your trees can grow into service lines, like your water or gas lines, and cause damage.
  • Blocked driveways: If a tree falls across your driveway, you may need to have it removed to get your vehicles out.

Don’t Miss: Cancel Cigna Health Insurance

Should You File A Tree Insurance Claim

If an incident with a tree is covered, it may make sense to file a claim. However, when you’re asking “Does homeowners insurance cover tree damage?” consider the cost of repairs. Also think about how much the insurer will pay after the deductible . And calculate how much premiums will rise due to a claim. If an insurer will pay only a small sum after the deductible, homeowners may be better off paying out of pocket to avoid the premium increase.

Does Homeowners Insurance Cover Tree Removal Of Fallen Trees

Does Homeowners Insurance Cover Tree Removal After Storm

In general, homeowners insurance covers removal of a fallen tree or damage resulting from a fallen tree only if the tree fell onto a covered structure. When tree removal is covered, the insurer pays up to policy limits to remove the tree and repair or rebuild the affected structure.

For example, if a tree fell onto a house, removal of the tree and repairs of the house would be covered. Or if the tree fell on a fence or shed, removal and repairs of the structure would be covered. However, if a tree falls on the lawn and causes no damage to the home or structures, tree removal after storms typically would not be paid for.

The tree must also fall because of a covered peril. For example, if it fell due to wind and ice, removal and repairs should be covered.

Read Also: Usaa Homeowners Insurance Dog Breed Restrictions

More articles

Popular Articles