It’s important to know whether your homeowners insurance policy covers tree removal as it can save you a considerable amount of money. In this post, we’ll explore everything you need to know about whether or not homeowners insurance covers tree removal.
Does Homeowners Insurance Cover Tree Removal?
Firstly, it’s important to understand that homeowners insurance does NOT cover preventative tree removal and that not all homeowners insurance policies cover tree removal after a storm or hurricane.
Policies that do cover tree removal typically include language specifying what is covered and up to what limit. Most policies will cover tree removal costs if the damage was caused by a covered peril, such as strong winds or hail.
However, if the tree fell due to negligence on the homeowner’s part, such as failure to maintain the tree or trim its branches, then the policy might not cover the cost of removal.
That’s why you need to check your homeowners insurance policy to see if there are any exclusions or limitations. Some policies consider the type of tree that has fallen. For example, if a tree is considered “high-risk” or is known for dropping branches, your policy might not cover its removal.
Additionally, some policies might have a limit on the amount of coverage for tree removal, so it’s important to review your policy and understand your coverage limits.
Your Alternatives
If your homeowners insurance policy does not cover the cost of tree removal, you have a few options. One option is to check if your municipality provides tree removal services. Some municipalities offer free tree removal services for city-owned trees or trees on public property that have fallen due to storms.
Another option is to contact a certified arborist to assess the damage, provide you with an estimate, and help remove the fallen tree.
In any case, it’s always important to contact your insurance agent as soon as possible after a tree has fallen on your property. They will advise you on the next steps to take and if you need to file a claim. Keep in mind that if you file a claim, it might affect your insurance premiums in the future.
For other answers to common homeowners insurance questions, read our previous blogs, “What Is Unoccupied Home Insurance?” and “Can Home Insurance Be Transferred to a New Owner?”
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