Is tree service covered by Home Owner insurance Policy for Fallen Tree Removal?
Trees can fall on your house during storms. Dead branches can crash through windows. You need to know if you should pay for tree work or if insurance coverage will help.
Most home insurance policies only pay for damage and removal after a tree falls. They won’t cover cutting down risky trees that haven’t fallen yet. Insurance may help if a tree on your property falls and hits your house. Then, they might cover the cost of both damage and tree removal.
Knowing what your policy covers helps you plan for tree care costs and avoid surprise bills.
When Does Homeowners Insurance Cover Tree Removal?
Home insurance covers tree removal only after a tree has caused damage. Your policy won’t pay for removing dangerous trees before they fall.
- Removal costs are covered when a fallen tree damage affects insured structures like your house or garage
- Home insurance may pay to remove a tree that blocks your driveway, even without hitting structures
- If a neighbor’s tree falls on your property, their insurance should handle the costs
- Tree removal if a tree falls due to wind, lightning, or storms is typically covered
- Damage to your home must be present for most insurers to pay for tree work
- Ask your licensed insurance agent about specific coverage in your policy
Does Insurance Help with Preventive Tree Removal Services?
No. Your property insurance won’t pay for preventative tree work. Tree pruning, trimming, and removing risky trees are your responsibility as the owner.
Homeowners insurance may cover the cost of removing trees only after they’ve fallen and caused damage to insured structures. If your tree falls due to neglect, your home insurance company might deny your claim. Similarly, auto insurance won’t help with preventative tree care.
Will Your Insurance Pay for Tree Removal After A Storm?
Most insurance helps with tree removal after storms. They pay when trees hit your house or garage. Insurance may also help with debris removal coverage when trees block your driveway. But watch out! Your policy may not cover dead trees that fall. If a tree was sick before the storm, insurers won’t pay for the damage. They see this as your fault for not fixing it sooner.
Will My Insurance Cover A Tree Damaged By Storms?
Your insurance company won’t pay for the removal of damaged but still-standing trees. Most policies cover the removal of fallen trees only when they hit your house, garage, or fence. Even if the tree is hanging dangerously, insurance waits until it falls. If a tree is dead before the storm, they might deny your claim completely.
When Insurance Does Not Cover Tree Removal?
Knowing when you won’t get help from the insurance company might help. These cases leave you paying for tree removal yourself.
- During floods
- After earthquakes
- Tree is dead
- Tree shows rot
- Poor tree maintenance
- No damage to structures
Do Home Insurances Cover A Tree Fallen on a Neighbor's House?
If your tree hits your neighbor’s house, your insurance pays for the damages. Your policy covers their damage and removal costs.
For trees on property lines, both insurance companies might split costs. Most policies have limits for cutting down a tree after storms. Take photos right away when a tree falls and causes damage. Call your insurance company fast to start your claim.
Contact Oath Keepers Tree Care for Affordable Tree Removal
Oath Keepers Tree Care handles all your tree removal needs in York and surrounding areas. We work with qualified arborists who understand insurance requirements. Our team removes the entire tree safely using advanced rope techniques.
We help determine if the cost of removal may be covered by your insurance. After storms, your policy should cover fallen trees that damage structures. We provide detailed documentation for your claims and offer free estimates for any tree project.
Final Words
Insurance covers tree removal only after damage happens to insured structures. It won’t pay for removing risky trees before they fall. Understanding your policy helps you plan for tree costs. Get expert help from skilled arborists who know how to safely remove trees and work with insurance companies. Professional tree care protects your property and may save you money.