If you’re a homeowner with trees on your property, then you may be wondering if homeowners insurance covers tree removal. Perhaps you’re looking for a tree service in Chattanooga TN to perform tree removal but you’re thinking twice because you’re not sure whether your insurance company will cover your claim.
So, does homeowners insurance pay for tree removal? This blog will discuss the different situations wherein your home insurance policy will cover tree removal on your property.
Will Home Insurance Pay for Tree Removal by a Tree Service in Chattanooga TN?
The answer is YES and NO. Yes, homeowners insurance covers tree removal but it depends on where the tree fell and what caused the tree to fall. In the next sections, we listed down some of the common situations wherein tree removal is covered and not covered in standard homeowners’ insurance policies.
When Is Tree Removal Covered By Home Insurance?
So what does homeowners insurance cover? As mentioned above, insurance companies determine whether they will cover the tree removal cost based on the cause of the fall and whether the fallen tree caused damage to anything insured in your policy.
Below are some situations wherein an insurance company will usually cover the cost of tree removal. Take note that this is just a guide to give you a quick idea on what may be covered by standard policies in the United States.
1. When a fallen tree damages your home
When a fallen tree falls on any part of your home and damages any part of your house, homeowners insurance will cover the tree removal costs. It does not matter what caused the tree to fall as long as it caused damage to your house, you can get insurers to pay for the cost of hiring a tree service.
2. When a fallen tree damages your garage
If you have a tree that fell onto a garage attached to your home, you can get your insurer to pay for the tree removal cost. This often brings confusion to a lot of people thinking that the garage is not part of their home but attached garages are already usually covered by standard homeowners insurance. This means you can still claim the cost of the tree removal.
3. When a fallen tree damages other covered structures
If your insurance policy includes “Other Structures” or “Coverage B”, this usually refers to other structures in your property that insurance policies protect. Usually, these are structures not attached to your main home such as a detached garage, swimming pool, gazebo, and fences.
If you have this as part of your policy, then homeowners insurance will usually pay for tree removal costs when a fallen tree damages these structures.
For instance, did a storm cause a tree to fall on your fence? If you have “Other Structures” in your policy, then the answer is yes, home insurance will cover tree removal costs for this as well. Not every homeowner will have this as part of their policy because some do not really need it if they don’t have any detached structure or fences.
4. When a fallen tree blocks the driveway
What happens if a tree falls on your property and it is blocking the driveway or entryway? In this instance, you could get your homeowners insurance to cover tree removal costs.
5. When a fallen tree blocks a wheelchair ramp
A tree falling on a wheelchair ramp means the home becomes inaccessible for people with disabilities residing in the home. In this case, you can get your insurance to pay for the tree removal.
6. When a tree damage is caused by lightning, fire, riot, explosion, vandalism, or aircraft
At this point, you probably get the idea that as long as the tree fell and damaged a structure in your home, then you can claim tree removal costs. But there are also certain instances wherein you can have your insurer pay for tree removal whether or not they damage anything at all (like if the tree falls on your lawn). This is possible if the fall was caused by lightning, explosion, fire, vandalism or riot. If an aircraft falls onto your property and damages a tree, then you can also reimburse the cost of tree removal.
When Is Tree Removal NOT Covered By Home Insurance?
Below are some instances wherein homeowners insurance policy will not cover tree removal costs.
1. When a fallen tree is caused by a wind or snow storm, hail, or ice AND does not fall on or damage any covered structure
If a tree fell on your lawn or empty lot caused by a strong wind storm without damaging anything, the insurer will not reimburse tree removal costs and that will be your responsibility.
2. When a tree falls due to flooding or earthquake does not fall on or damage any insured structure
If the tree did not damage any structure and the cause of the fallen tree is an earthquake or flooding, then this is typically not covered by the standard homeowners insurance. You will need a separate policy for flooding or earthquakes.
3. When a tree on your property falls on your neighbor’s home
Who is liable when a tree falls on a neighbor’s property? If you have a tree on your property that falls on your neighbor’s home, your neighbor’s homeowner’s insurance will have to cover the tree removal costs. There are exceptions like if you were cutting the tree yourself or the tree fell due to your own neglect.
4. When a tree falls due to disease or old age and does not fall on or damage any covered structure
Many people usually ask: Will homeowners insurance pay for dead tree removal? The answer is usually NO. Insurance companies rarely pay for removal of fallen trees caused by disease or old age – unless they damaged any covered structure.
Storm Damaged Tree Removal – Does Homeowners Insurance Cover Tree Removal From Storm?
Questions about home insurance covering storm damaged tree removal are very popular so it is worth repeating the answer to this. If you have a storm damaged tree, the tree removal will be covered by the insurance company if it damages any of the structures covered in your policy such as your house, attached garage, driveway, wheelchair ramp, and other structures if those are included in your coverage.
How Much Does Insurance Pay for Tree Removal?
Usually homeowners insurance companies pay $500 to $1000 for tree removal costs. You have to factor in your deductible. Your deductible is the money you have to pay before the insurer comes in. For example, if your deductible is $500 and the tree removal cost is $1000, then your insurance company will pay the remaining $500. If the cost of the tree removal exceeds the limit, paying the extra amount will be your responsibility.
Affordable Tree Removal From Wysong Tree Service in Chattanooga TN
The exact answer on whether or not your home insurance will cover tree removal will still depend on what type of policy or coverage you have so it is best to check your insurance documents.
If you need a tree removed and you’re not sure whether your policy will cover the cost, our team at Wysong Tree Service in Chattanooga TN can help you out. We have extensive experience in tree removals so we can help facilitate the service coverage and advise you on whether your tree removal service can be covered. We were able to help 90% of our clients’ homeowners insurance requests covered.
Contact Wysong Tree Service today and get a free estimate!