Tree removal can cost you a lot of cash. Unfortunately, not all homeowners have enough money set for this purpose. That is why many homeowners opt for their home insurance to help them deal with the situation. But can you claim tree removal on your homeowner's insurance? Read on to learn more.
The answer to whether you can use your homeowner's insurance to cover tree removal cost depends on the situation. Your homeowner's insurance will not cover the cost of tree removal when the tree has not fallen yet. As a homeowner, it is your responsibility to maintain the safety of your yard, including the trees in it.
If a tree falls because of a storm and caused damage to your home, then you can expect your home insurance to cover for the repair cost, including tree removal. You should always check with your home insurance provider and ask about other scenarios like when a tree falls directly onto your driveway. The standard coverage for tree removal for most insurance is up to $1,000 per storm. Make sure to let the professionals handle the fallen trees in your yard.
Another scenario is when your tree falls into the street and is causing stress to your entire neighborhood. Other cities and municipalities may do it for you, while others might require you to do it.
If your tree falls onto a neighbor's property and caused damage, your neighbor can file a claim on their home insurance policy. If it is found out that you lacked maintenance and the tree is dying, you can expect to be responsible for the repair costs.
Another important tip is to never depend on your homeowner's insurance to cover for your tree removal cost, regardless of the scenario. Make sure your trees are properly maintained to avoid it from causing trouble in the future. Call Trinity Tree Service for a free tree care quote.