You might not think about homeowners insurance coverage for tree damage – until it happens. For many homeowners, it’s a surprise to learn that not all damage caused by a felled tree is covered by insurance.
Here’s what you need to know.
A standard homeowner’s insurance policy typically covers:
Coverage kicks in after your deductible, and is typically capped for tree removal and/or reimbursement.
If damage is caused to your property by a neighbor’s tree, your homeowner’s insurance will handle the claim. In this case, your insurer might seek reimbursement from the neighbor’s insurance and your deductible may be refunded.
A typical homeowner’s insurance policy does not cover:
First, make sure you understand your policy. Ask you insurance provider about coverage caps for trees and shrubs and limitations on clean up or replacement.
If you have trees that you value, you can seek an additional endorsement on your policy that covers clean up or replacement costs.
Most importantly – take care of your trees! You will be fully responsible for damage caused by a tree that is dead, declining, rotting or otherwise in need of care. Regularly inspect your trees and contact a tree expert if you spot any issues.
Have questions about the health of your trees? Contact us today.