When you have a tree fall on your property, potentially hitting your home and causing damage, you might wonder if it would actually be covered by your homeowners’ insurance policy. Depending on the type of insurance that you have, it may be covered, allowing you to not only get the repairs done but to remove the tree. There is some debate over whether or not the policy would cover the removal of the tree if it missed your house at all. Let’s discuss the basics of homeowners insurance, how it works, and whether or not the removal of a tree would be covered by these types of policies.
Homeowners Insurance Overview
Homeowners insurance is designed to cover damage that is done to the home. For example, if there is a fire, flood, or damage from the storm, you can file a claim and it will pay you money so that you can get the repairs done. Likewise, it’s going to cover merchandise that you have in your home. If you have a burglary, or if any of the merchandise is damaged during a catastrophic event, that can also be replaced by the money provided by the policy. Essentially, everything covered by the policy has to do with the home, but does this apply to a tree?
Is Tree Removal Covered By Homeowners Insurance?
Homeowners insurance is only going to cover the removal of a tree if it has actually struck your home. There has to be some connection between the tree and the house for the policy to work at all. It could be a branch that blows off as a result of high winds, or perhaps a branch that falls due to old age. Either way, if it strikes the home, that’s where you can file a claim and that portion of the tree, or the tree itself will be removed if it caused the damage.
Is There A Way To Add Tree Removals To Your Policy
Tree removals may not be added to your policy. It’s not part of the insurance. Most people must pay out-of-pocket to remove any type of tree, especially if they are having a cut-down. The only time that the policy is going to work as if the tree is involved in some type of incident involving damage to the structure of your house. Other than that, if your tree falls, and it doesn’t hit anything, you are going to have to pay this with your own money.
There are potentially policies out there that may apply to removing a tree. However, they are far and few between. You will likely just end up paying for the removal of the tree on your own. Although you would not want this to happen, if you have an older tree that does fall, and it strikes your house, that is definitely one way to avoid the cost of paying for a tree removal. That being said, it’s better to always take care of trees that may have problems. Old or injured limbs, or a tree that is starting to lean, should be cut down as soon as possible. You can avoid any possibility of damage to the home by simply monitoring the health of your trees and pruning them on a regular basis.