Does Homeowners Insurance Cover Tree Removal After Storm: What You Need to Know.!!!
Storms can be very damaging to your home and property, especially if they knock down trees.
Trees can fall on your roof, windows, fence, or car, and cause a lot of trouble.
You may wonder if your homeowner’s insurance will help you pay for the cost of removing the fallen trees.
The answer is: it depends.
In this blog post, we will explain when homeowners’ insurance covers tree removal after storm, and when it doesn’t.
We will also give you some tips on how to prevent tree damage and how to file a claim if you need to.
When Homeowners Insurance Covers Tree Removal After Storms
Typically, homeowners’ insurance covers tree removal after storms if the fallen tree damages your home or other insured structures like garages, sheds, or fences.
This coverage extends to damage caused by wind, hail, lightning, and similar perils.
Your policy foots the bill for repairing or replacing damaged structures and removing the tree, within your coverage limits.
However, there’s usually a limit on the reimbursement for tree removal, commonly ranging from $500 to $1,000 per tree or 5% of your dwelling coverage.
For instance, if your home is insured for $300,000 and a storm knocks down two trees onto your roof, your insurer will cover up to $15,000 for tree removal ($7,500 per tree).
When Homeowners Insurance Does Not Cover Tree Removal After Storms
Homeowners insurance may not cover tree removal after storms in certain scenarios.
Here are instances where you might need to cover the removal costs:
- The tree falls in your yard without damaging any structures. Unless the tree obstructs your driveway or wheelchair ramp, your insurer won’t cover removal expenses.
- The tree falls due to your negligence. If the tree was diseased, dying, or unstable, and you neglected its maintenance, your insurer might reject your claim. Property upkeep and hazard prevention fall under your responsibility.
- The tree falls due to an excluded peril. If the tree topples due to a flood, earthquake, or landslide, your standard policy won’t cover damage or removal costs. Separate policies or endorsements are necessary to address these risks.
Preventing Tree Damage and Filing a Claim
Preventing tree damage and associated removal costs is paramount.
Here’s how to safeguard your home and property:
- Regularly inspect trees for signs of disease, decay, or damage, seeking professional arborist advice if needed.
- Prune trees and remove dead, broken, or overhanging branches to enhance their health and stability.
- Trim branches near your home, power lines, or other structures to prevent damage during storms.
- Secure loose or leaning trees with cables, braces, or stakes to enhance stability.
- Remove old, weak, or hazardous trees posing safety or property threats, employing licensed tree removal services for safe and proper removal.
Insurance Writer, Insurance Blob
Former Insurance Writer, New York Times
JOINED INSURANCE BLOB
Benson Clyde, an experienced Insurance Writer at Insurance Blob, brings a wealth of knowledge and expertise to the realm of insurance. With a distinguished background as a former Insurance Writer at the New York Times, Benson’s writing journey has been marked by a commitment to providing valuable insights and information to a wide audience.
Benson’s writing career took a significant turn when he joined the esteemed New York Times as an Insurance Writer. During his tenure, he honed his skills in producing insightful and informative content related to the insurance industry, gaining recognition for his ability to break down complex concepts for readers.
In May 2023, Benson Clyde transitioned to Insurance Blob, marking a new chapter in his commitment to delivering high-quality and engaging insurance content. His experience and expertise contribute to the platform’s mission of educating and empowering readers with valuable insurance insights.