Does Your Homeowners Insurance Cover Tree Removal?

Does Your Homeowners Insurance Cover Tree Removal

Trees are essential for maintaining a healthy environment. However, if not properly cared for, trees can become hazardous and pose a risk of property damage or injury. When tree removal is necessary, the cost can be high. But does your homeowner’s insurance cover tree removal? 

Everything You Need to Know About Homeowners Insurance and Tree Removal 

When it comes to homeowners insurance, most of us know that it helps protect us from liabilities should something happen to our home or property. But did you know your homeowner’s policy could also cover the costs associated with tree removal? Understanding what is and isn’t covered by homeowners insurance when it comes to trees can help you ensure that you’re adequately protected in case a falling tree damages your home—and not stuck footing an unexpected bill for a hazardous tree removal job.

Coverage for Tree Removal Services

Whether or not your homeowner’s insurance covers tree removal depends on several factors, including the type of tree, where it is located on your property, and why it needs to be removed. Generally speaking, most policies will cover the cost of removing trees that pose a risk to people or property due to storm damage or disease. If a healthy tree falls and damages your home, you can file a claim with your insurance company to cover the removal cost. However, if a tree falls on another structure, such as a fence, you may have to pay out-of-pocket for its removal.

Factors That Affect Coverage

Your homeowner’s policy may also provide coverage for preventive tree care services such as pruning or trimming branches away from power lines or roofs. It is important to note that there are certain limitations when filing claims related to preventive care measures; typically, these types of services must be completed within 6 months before an incident for them to be covered by your policy. Furthermore, some insurers may only reimburse up to 50% of the cost of preventive care services; this means that you could still pay out-of-pocket even if your policy provides coverage for such work.

Making a Claim

If you decide that filing an insurance claim is worth exploring further, document everything related to the incident, including photos and any applicable receipts associated with preventive care services performed recently on that particular tree. Also, remember that most insurers require an inspection before they approve a claim, so keep any evidence available should they request it at any time during their review process. Once everything has been gathered together, contact your insurer directly so they can inform you about what next steps need to be taken for you to file a successful claim.

Hiring a Tree Removal Service

When selecting someone who can perform quality tree removal services on behalf of your family’s safety as well as preserving their property values, you must be aware of all aspects related when hiring someone who will do quality work at reasonable rates while meeting all local codes set forth by local municipalities and utility companies. Best Tree Care provides complete residential and commercial arborist services, including pruning/trimming, fertilization treatments, insect & disease control, cabling & bracing, stump grinding & complete removals, and other associated landscaping services, all while meeting our customer’s needs within their budget constraints. Quality artistry and top-notch customer service set us apart from our competitors, allowing us to create long-lasting relationships with our customers based on trust & dependability. Our experienced crews have been certified through The International Society Of Arboriculture, which ensures that each customer receives professional results every time.


When considering whether or not homeowners insurance covers tree removal costs, it is important to remember that there are many factors at play here – from the type of tree and location on the property to needed treatment such as pruning/trimming, etc. Always check with your insurer before filing any claims relating to arborist-related work. Hiring reputable professionals who provide quality arborist services at reasonable rates is also important while ensuring all applicable codes are met. We are here to help ensure our customers receive excellent customer service and top-notch professional results every time.

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