Is Tree Removal Covered By Homeowners Insurance – Yes. Homeowners insurance can cover damage to your home and other structures on your property from fallen trees, branches and limbs if a tree falls on your house. This includes cover for damage caused by a neighbour’s tree, although the neighbour’s insurer may pay for the damage if the tree fell due to negligence on their part.
Homeowner’s insurance can pay for damage to your belongings, your home, or other structures on your property (garage, deck, shed, fence, etc.) minus your homeowner’s deductible if a tree falls on your house. You can also pay for the removal and cleaning of the tree. In case of severe damage, file an insurance claim as soon as possible and be sure to take pictures of the damage. Learn more about how home insurance works and what home insurance covers.
Is Tree Removal Covered By Homeowners Insurance
If a tree falls on your car, your car insurance company may pay for the damage if you have comprehensive car insurance. This optional coverage pays for events beyond your control, such as fallen trees, hail and vandalism.
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Your home insurance policy will not help remove a dangerous, diseased or dying tree from your property, but it will usually cover cleanup and tree removal if the tree falls on your house or property as a result of certain limited covered perils and blocks your driveway or meets other requirements.
If you hire a tree removal company and damage your property while removing the tree, the tree removal company’s insurance may cover the cost of the damage. Before hiring a tree removal service, be sure to get proof of insurance, especially general liability insurance. If they are uninsured and they cause damage, you may have to take legal action to get them to pay for the damage.
If the damage is minor, it’s a good idea to get a repair estimate before filing a claim to see if the cost will exceed your home insurance deductible. If the repair costs less than your deductible, it’s better to pay for it yourself.
If your neighbor’s tree falls on your house, your home insurance may cover the damage if the tree fell as a result of a covered peril and blocks the driveway or meets other requirements. However, if it is clear that the tree is dead or rotting and your neighbor was negligent, the insurance company should cover the damage.
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Remember that negligence is sometimes difficult to prove. Your case will be stronger if you have previously asked your neighbor to remove the rotting tree or have sent him a certified letter from a tree expert stating that the tree needs to be removed. If your neighbor is found negligent, your home insurance may cover the cost of the damage.
If your neighbor’s tree falls from your yard without causing damage, it is your responsibility to remove the fallen tree, even if the tree was clearly dead or rotten. You can ask your neighbor to share the cost of the move, but if they refuse, the cost will end up being on you. However, if the tree didn’t damage anything but blocked the driveway to your residence, or blocked a ramp or handicap accessibility features, your homeowner’s insurance will usually cover it.
If the tree lands on your neighbor’s house, the neighbor’s home insurance may pay for it, unless the tree is rotten or clearly damaged, in which case the neighbor can try to prove you were negligent if you don’t remove it. In this case, the insurance company may have to pay. If your tree didn’t hit anything and is simply blocking your driveway, your neighbor’s home insurance may cover the cost of removing the tree unless they can clearly prove negligence.
If a tree falls on your house, your home insurance may provide coverage. You can request a home insurance quote online or by calling 1-866-749-7436. Posted by Cate Deventer Posted by Cate DeventerArrow was a better writer and editor, insurance. Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent. Connect with Cate Deventer on Twitter Twitter Connect with Cate Deventer on LinkedIn Linkedin Cate Deventer
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Edited by Amelia Buckley Edited by Amelia BuckleyArrow Right Editor, Insurance Amelia Buckley is an insurance editor covering auto, home and life insurance. Emphasis on creating informative, engaging and nuanced content that helps readers make personalized insurance decisions. Connect with Amelia Buckley on LinkedIn Linkedin Amelia Buckley
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Does Homeowners Insurance Cover A Tree Falling On Your House?
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