Will homeowners insurance cover tree removal? This is probably one of the questions you have in mind when need to remove a tree from your property. After all, you paid for that insurance policy so you might as well take advantage of the included services you can get out of it. The short answer to this question though would be both yes and no. It depends on the situation and the type of tree removal you require.
What Tree Removal Service Do You Need?
There are different reasons for tree removal and the situation dictates whether homeowners insurance will cover the fees. What are the most common types of tree removal services?
There are other situations not mentioned above. Consult your contractor of choice or your insurance company to learn more.
When Does Homeowners Insurance Cover Tree Removal?
Insurance policies differ. However, most homeowners insurance policies cover tree removal fees only when a tree fell on a covered structure due to peril such as strong winds during a hurricane. Note that most policies do not cover damage due to flooding or an earthquake.
Let’s say a tree fell on your house and damaged the roof. After paying your deductible, the insurance company will cover the cost of removing the tree and repairing your home. However, if a tree fell on your garden or backyard, you will have to shoulder the costs of removing that tree from your property.
If a tree fell on your neighbors’ property and damaged the roof of their home, then they can contact their insurance company for assistance. It is their homeowners insurance that will cover the costs, not yours. However, if your tree fell on your neighbors’ yard or garden, then you will most likely shoulder the cost of removing that tree.
It is still best to consult with your insurance company to make sure about the coverage. There were instances when trees would fall on a driveway resulting in paving damage and the insurance covered repair costs.
Call a Tree Removal Contractor in Deltona, FL
Will homeowners insurance cover tree removal? Always remember that if a tree fell on your house, the insurance will only cover costs if it happened because of a storm. If you tried cutting a tree on your own and it accidentally fell on your house and damaged the roof, your insurance company will most likely not help you out. So when you need tree removal services, call a licensed contractor you can trust. For tree removal services in Deltona, Sanford, Debary, Orange City, and the surrounding areas, call Duval and Son Services for assistance. Contact us at 386-717-4959 today to get a free quote!
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Jeff is tree pro, bobcat pro, and more with 20+ years servicing Deltona, Sanford, Deland, Debary, Orange City, and all of the surrounding communities.