Just because we don’t get hurricanes up here in Coppell, TX, it doesn’t mean homeowners shouldn’t be worried about storms knocking down trees. Violent windstorms and thunderstorms can cause even visibly healthy trees to topple, sending branches crashing into your roof, shed, or atop your vehicle. Since most of these storms happen in the fall and winter, now is a good time to review your homeowner’s policy from The Select Insurance Agency and examine the conditions of trees on your property.
Does Home Insurance Pay for Tree Removal of Standing Trees
In most cases, home insurance policies won’t pay for the removal of trees that are still standing. Instead, as a homeowner, most insurers will consider it your responsibility to maintain your home and grounds — which includes the care and maintenance (pruning and trimming) of trees that could pose a danger to yours and your neighbor’s property.
If you notice that a standing tree on your property is no longer producing leaves or otherwise appears to be sick, dying, or dead, then it’s a good idea to be proactive and pay for the removal of the tree. If a tree is known to be at-risk falls, you may be held liable for the damages it caused.
Does Home Insurance Pay for the Removal of Fallen Trees?
Yes, in many cases your home insurance policy will help cover the costs of tree removal for trees and large branches that have fallen on your property or that have fallen and damaged your neighbor’s property.
However, exceptions and limitations do exist. Generally, the tree must have been in otherwise good condition before the storm or similar disaster that sent it crashing. Additionally, you likely will have policy limits on each tree removal.
Questions? Contact Your Agent Today
For more information about tree removal and what’s covered by your policy with The Select Insurance Agency policy, contact our team today.