Does Homeowners Insurance Cover Tree Removal?
Fallen trees or tree limbs can cause extensive property damage. A homeowner may consider tree removal to prevent damage or they might have to remove trees that were downed during a storm.
Let’s look at how insurance typically handles different tree removal scenarios.
Tree Removal - Preventative
Removing a tree (or trees) from your property as a preventative measure will not be covered by your homeowners policy. It is a good investment for peace of mind, but tree removal is an out-of-pocket expense in this case.
Tree Removal – Fallen Trees or Limbs on the Property
Removal of a tree that falls on your property, but does not damage any structures, will likely be your financial responsibility. Review your policy to see if your insurer pays a certain amount for debris removal following a covered peril.
Tree Removal – Damage to a Structure
When a tree falls and damages a structure on your property, a homeowners policy may provide financial assistance for tree removal if caused by a covered peril. Your dwelling or other covered structures include a fence or a shed.
Tree Removal – Neighbor’s Tree Falls on My Property
If a neighbor’s tree damages your property, you may submit a claim to your insurer for damage and tree removal. Your policy may cover the damages and remove the tree from a covered structure, subject to a deductible and possibly a reduced limit.
The owner of the tree is not responsible for payment unless negligence is proven. If your neighbor is found to be negligent for failing to remove a dead or dying tree, they may be liable for the damages.