Does Homeowners Insurance Policy Cover Tree Removal?

11 Jan Does Homeowners Insurance Policy Cover Tree Removal?

When it comes to homeowners insurance, many people are unaware of what is covered and what is not. Trees are an integral part of any property, but they can easily become hazardous over time. But, when it comes to homeowners insurance, does it cover tree removal? In this blog, we’ll answer this question and provide some helpful information on homeowners insurance coverage.

Tree-Related Damages to Your Property

Trees are beautiful, but they can also cause damage to your property. Here are some of the most common types of damage that trees can cause:

• Wind Damage: Strong winds can cause trees to topple over or break branches. This can cause damage to your house, cars, and other property.
• Lightning Damage: Lightning can easily strike trees and cause them to catch fire. This can be extremely dangerous and can cause extensive damage to your home and property.
• Snow Damage: Heavy snow can cause tree branches to break and can even cause entire trees to topple over. This can damage your home and car and even cause injury to those nearby.
• Root Damage: Tree roots can cause damage to your home’s foundation and some other parts. This can be costly to repair and can cause long-term issues.

When is Tree Removal Covered by Homeowners Insurance?

Homeowners insurance typically covers tree removal if the tree has been damaged by a covered peril, such as wind, lightning, snow, or fire, and when this damaged tree falls on your insured property causing damage to your home structure or assets.

In addition, your homeowners insurance may also cover the cost of removing a tree if it is posing a safety hazard. This includes if a tree is leaning dangerously or if it is blocking a road or walkway. In these cases, your insurance company may pay for the removal of the tree.

When Is Tree Removal Not Covered by Homeowners Insurance?

Homeowners insurance will not cover the cost of removing a tree if the tree is destroyed due to the following:

• Floods
• Earthquakes
• Rot, age, or pest infestation

Also, if the damaged tree falls in an open space and does not cause further damage, removal costs will not be paid by your insurance. You may decide to remove a tree as it doesn’t fit into the aesthetic plan you have for your property. In such a case, you will need to cover the cost of removal yourself.

Will My Home Insurance Policy Cover Tree Damage to My Neighbor’s House Caused by My Tree?

No, homeowners insurance will typically not cover tree damage that occurs to your neighbor’s house. If the tree damage is due to a covered peril, your neighbor’s homeowners insurance will pay for the damages. However, if a tree on your property causes damage to your neighbor’s house due to your negligence, they can sue you for compensation. In such a scenario, you will need to cover the cost of repairs and legal costs from your liability coverage.

Trees can cause extensive damage to your home and property, and it is important to understand what your homeowners insurance policy covers and what it does not. Homeowners insurance typically covers the cost of removing a tree if it has been damaged by a covered peril and usually does not cover the cost of tree damage that occurs to your neighbor’s house.

Cover Your Home Against Damages Caused by Tree Removal with KSD Insurance

If you have any questions about homeowners insurance coverage, contact Kevin or Merci today. At KSD Insurance, our team of experienced agents can answer any questions you may have and help you find the coverage that is right for you.