Leesburg Tree Care
Insurance and Trees
Did a tree just fall on your fence or shed? Was your house damaged in a storm? Here are some considerations regarding insurance, and your trees.
Has a tree damaged your property or fallen on your vehicle? Was there a storm, and you're wondering if you should have a tree removed prior to it falling? Does insurance cover the tree that just crashed through your garage?
You may be surprised to hear that insurance covers most of the damage caused by trees - depending on the circumstances.
Before we go further, we urge you to review your own insurance plans, and contact your provider. They'll be able to comment on what is, and isn't covered by your plan.
But here's what we've seen insurance cover: As in the examples above, if a tree falls on your home because of a storm, or natural events, your homeowners insurance will generally cover the damage. If a tree has fallen and blocks your driveway, most insurers will cover the removal. Similarly, if a tree damages your vehicle, your homeowners insurance may cover the damage (assuming the vehicle was parked on the premises) or your vehicle insurance (depending on the type) may cover this too. If you've contracted for tree removal and a company drops a tree on your house or causes damage, the contractor will be held liable - and you should not have to pay.
There are also quite a few things insurance will not typically cover: Generally, insurance won't pay to remove trees that are perfectly healthy. For instance, you want to install a pool or gazebo, but a tree is in the way. You're probably on your own here. If a tree falls and hasn't damaged anything, you may also have a hard time getting insurance to pay out. Few insurers will pay for maintenance or removal of sick trees, although it's worth asking as a "preventative" measure.
Again, check your policy for additional information. If you're not covered, and preventative work would benefit you, please give us a call.