Will Insurance Cover Tree Removal?
If you have had a tree come down in your yard, you might be wondering will insurance cover tree removal. That makes a lot of sense because insurance does tend to cover many unusual circumstances. Unfortunately, tree removal is a grey area and there is more than one answer to this question.
The key to determining if your homeowner’s policy will cover a fallen tree will come down to several factors. Here are the main ones of those.
Factors to Consider to Determine Insurance Coverage for Tree Removal
Tree Falling on Your Property and Causing No Damage
If one of your trees comes down in your yard and does not do any significant property damage, we do not believe your insurance company will take care of the payment to have it removed. This is something that we have heard of happening and not being covered by a homeowner’s policy on more than one occasion. It never hurts to try to have a tree removal claim honored but don’t get your hopes up in this case.
Your Tree Coming Down in Your Neighbor’s Yard
There are a few situations where you know for sure will insurance cover tree removal. One of them is when you have a tree come down in your neighbors’ yard. Since it’s your tree, you are responsible for cutting it up and removing it. So, when you call your insurance company regarding this matter, most of the time you can expect the answer to be yes. They will probably even authorize a payment without looking at the scene if there is no major property damage.
A Tree Falling on Your Property That Causes Property Damage
This is a little bit different scenario than a tree that falls on your property that causes no damage. Chances are a tree that falls on your property and caused damage will be covered. This has more to do with the wording of what is covered under property damage to your property on your insurance policy as opposed to having anything to do with the tree that caused the damage. You can probably rest assured that you will pay no more than your deductible in this case.
Your Neighbor’s Tree Falling into Your Yard
This is a case where you may get the best of both worlds if a tree that is growing on your neighbor’s property falls onto yours. This holds even if it did not cause any property damage. Just as you were liable in the case here your tree fell on your neighbor’s property, so too will they be liable when their tree falls onto your property. If your neighbor’s insurance will not cover the cost of tree removal, then your neighbor will be expected to pay it out of pocket. It may also be the case where your insurance provider pays to remove the tree and then goes after your neighbor and their insurance company for reimbursement.
Contact Us for Tree Removal in Deltona, FL
Keep in mind that there are many grey areas when you are wondering will insurance cover tree removal. Many policies, even those from the same company, will have different aspects of tree removal that they cover and coverage amounts regarding that task. What’s the best way to find out if your insurance company will remove one or more of your trees that have fallen down or not? It’s to give them a call. This never hurts even if you don’t feel your homeowners' policy has a fallen tree provision.
For affordable tree removal in Deltona, Sanford, DeLand, Lake Mary, Orange City, Debary, or any of the surrounding areas, contact Duval and Son Services. You may reach us at 386-717-4959 to request a free quote.