Call/Text (631) 473-7059 ☰ ˟
Logo
Call/Text (631) 473-7059
  • Home
  • Get A Quote
    • Automobile
    • Business & Commercial
    • Commercial Auto Insurance
    • Disability Insurance
    • Flood
    • General Liability Insurance
    • HealthImage of right arrow
      • Long Term Care Insurance Quote
      • Health Insurance Quote
    • HomeownersImage of right arrow
      • Homeowners Insurance Quote
      • Homeowner Flood Quote Form
    • Life
    • Long-Term Care Insurance
    • RentersImage of right arrow
      • Renters Insurance Quote
      • Renters Insurance Quote
    • Term Life Insurance
    • Watercraft & Boat
    • Workers Compensation
  • Customer Service
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
    • Business & CommercialImage of right arrow
      • Request ID Card for Commercial Auto Policy
      • Add Vehicle to Existing Commercial Auto Policy
      • Request General Liability Certificate of Insurance
    • Homeowners
    • Other
  • Claims
    • Automobile
    • Homeowners
  • Blog
  • Make a Payment
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Important Files
    • Free Reports
    • Insurance Glossary
  • About Us
    • About Newbrook Insurance
    • Location Map
    • Employee Directory
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Icon

Home

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Icon

Business

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Icon

Life & Health

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Home > Blog > Tree Removal: Is It Covered by Homeowners Insurance?
MONDAY, MAY 20, 2024

Tree Removal: Is It Covered by Homeowners Insurance?

Before you spend a fortune on tree removal, it's a good idea to check first if your homeowners insurance would cover it. Home insurance usually does not cover regular tree maintenance, but it may cover damage from trees that occurs during a storm or other covered peril.

How Trees Can Damage Your Property

Even though they add to the aesthetic of your property, trees require regular upkeep and can damage a home in a number of ways, such as:

·         Structure damage: Branches can break off during storms or as a result of rot, posing a risk to structures and vehicles on your property.

·         Root damage: Tree roots can grow beneath foundations, sidewalks, and driveways, causing cracks or uplift. They can also grow into sewer, water, or gas lines.

·         Clogged gutters: Overhanging branches can drop leaves and debris into gutters, causing them to clog and potentially leading to water damage to your roof or siding.

·         Service line damage: Tree branches growing near power or communication lines can interfere with them, causing outages or disrupting internet or phone services.

When Tree Removal is Covered

There are very limited circumstances where tree removal would covered under your homeowners policy.  Generally speaking, tree removal would NOT be covered unless the tree is actually leaning on your house or blocks your egress.  Even when coverage kicks in, the insurance companies typically only removes the tree from the home or your driveway if it is blocked but you would need to pay for the removal of the stump and possibly other expenses.

When Tree Removal is Not Covered

Tree removal for reasons unrelated to covered perils is considered a homeowner's maintenance responsibility. Here are some scenarios when tree removal is often not covered by insurance:

·         Lack of maintenance: If a tree causes damage due to lack of maintenance or failure to address known hazards, insurance typically will not cover the cost of removal. Homeowners are generally responsible for maintaining the trees on their property to prevent foreseeable damage.

·         Healthy tree removal: Home insurance does not cover the removal of healthy trees, whether you want to remove them for aesthetic reasons or to clear space on your property. 

·         Natural causes with no damage: If a tree falls on your property due to natural causes, such as decay, but does not cause damage to insured structures or property, the removal cost won’t be covered.

Preventative Tree Removal

Homeowners policies do not pay for preventative maintenance.  If the insurance company is aware of a hazard and you do not remedy the situation, they will typically non-renew or cancel your poliyc.  Preventing potential damage to trees on your property requires consistent maintenance. Regular pruning, monitoring for signs of decay, and appropriate tree placement can help mitigate these risks.

Final Thoughts

It's essential to review the coverage limitations pertaining to tree removal with your policy or to speak with your insurance provider. Understanding when tree removal is covered by insurance can be crucial for homeowners dealing with the aftermath of natural disasters. By ensuring proper coverage, you can better navigate the complexities of tree-related damage and safeguard your home against potential risks. In addition to reducing the cost of tree removal, homeowners insurance offers peace of mind and financial security.

Posted 11:49 AM

Share |


NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2015
  • 2014
  • 2013
  • 2012
  • 2011

  • long island homeowners insurance(21)
  • long island flood insurance(8)
  • homeowners insurance(6)
  • homeowner tips(5)
  • ice dam(5)
  • long island auto insurance(4)
  • new york auto insurance(2)
  • new york life insurance(2)
  • long island(2)
  • mount sinai(1)
  • long island insurance impacted by corona virus(1)
  • nys paid family leave(1)
  • auto insurance(1)
  • dogs and homeowners insurance(1)
  • water shutoff(1)
  • protecting your home(1)
  • buildings(1)
  • national flood insurance program(1)
  • dwelling fire(1)
  • property insurance on homeowners insurance policy(1)
  • frequently asked questions about long island homeowners insurance(1)
  • safety(1)
  • homeowner insurance(1)
  • aarp(1)
  • stolen car insurance(1)
  • new york small business insurance(1)
  • dog bites(1)
  • working from home(1)
  • hurricane season(1)
  • contractors insurance(1)
  • vacant dwellings(1)
  • long island homeowner hurricane preparation(1)
  • hurricane sandy(1)
  • security devices(1)
  • frozen pipes(1)
  • stony brook(1)
  • new york city(1)
  • new york general liabilty(1)
  • hurricane irene(1)
  • fire damage(1)
  • safe driving tips(1)
  • long island homeowneowners(1)
  • new york workers comp insurance(1)
  • older homes insurance(1)
  • new york(1)
  • covid 19 relief(1)
  • port jefferson(1)
  • commercial insurance(1)
  • hurrican irene(1)
  • long island home jewelry(1)

View Mobile Version

Contact Us Today!
(631) 473-7059


By submitting this form and signing up for texts, you consent to receive marketing or service text messages from Newbrook Insurance Agency at the number provided. Consent is not a condition of purchase. Msg & data rates may apply. Msg frequency varies. Unsubscribe at any time by replying STOP or reply HELP for assistance. Privacy Policy & Terms
Social Social Social

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • News
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us
  • Privacy Policy
  •  

Contact Us

14 Roosevelt Avenue
Port Jefferson Station, NY 11776

Call/Text: (631) 473-7059 | F: (631) 473-7592 | E:info@newbrookins.com
© Copyright. All rights reserved. | Powered by Insurance Website Builder