You may want a dead tree removed from your yard, but will insurance cover the cost of removal? Or a tree may have fallen on your home, and you need to hire a Lewisburg emergency tree service. Homeowners insurance should cover the cost of property damage, but what about tree removal?
Tree removal can be complicated when dealing with your insurance company. So how do you know if homeowner’s insurance will cover your tree removal? Read on to get some general guidelines on tree removal insurance coverage.
What if a tree falls on my house?
Even if
you don’t own the tree, standard homeowner’s insurance will cover the property damage, as well as tree removal. For example, if your neighbor’s tree falls on your home, you can still file a claim with your insurance company. Your insurance company may try to collect from your neighbor’s insurance company, reimbursing your deductible.
What if a tree falls on my property?
If a tree falls on your property without causing damage,
the event that caused the tree to fall will determine if insurance covers removal. Insurance companies generally cover removal if a tree is felled by any of the agents above (lightning, fire, etc.), regardless if the tree harms your property.
What if I want a dead tree removed?
Dead/diseased tree removal is
not covered by insurance, as tree maintenance is the homeowner’s responsibility. Also, if a tree falls onto your property or home and the insurance company can prove that the tree was poorly maintained—either diseased, dead, or damaged prior to the incident—then they can deny your claim. The insurance company will hold the homeowner responsible for the damages, because the homeowner did not address the health and/or safety of the tree before the incident.
To prevent property damage, it’s best to have Lewisburg tree service professionals evaluate your tree at the first sign of stress or disease.
When will insurance NOT cover tree removal?
Damage to sewage pipes—which can be caused by invasive tree roots—is also not covered by insurance. If a tree falls on your car, your insurance company likely won’t cover it, but there is a possibility that auto insurance will pay for the damages.
How much will insurance pay for tree removal?
If tree removal is covered by your policy, the insurance company will pay anywhere from
$500 to $1000 per tree. Debris removal is also typically covered if a tree falls on an insured structure, like your home or garage.
To prevent property damage, it’s important to maintain the health of your trees and yard. Nonetheless, accidents happen that may make tree removal necessary. It’s best to leave tree removal to the professionals. We advise hiring a certified Lewisburg arborist to evaluate the situation and provide tree removal services.
Need stump removal services? Call us at (814) 883-9444 or fill out the online inquiry form to get a free quote.
