What does insurance pay for tree removal following a storm?
- by siteadmin
While trees can be a great addition to any property and make it look beautiful, they can cause damage to your house or other structures. Homeowners insurance will often cover tree removal costs after a storm.
It depends on the circumstances surrounding the tree's fall. Most policies cover the removal of any debris that falls from a tree.
You should be able get your home covered for tree removal costs if it causes damage to your property or is blocking your driveway. The tree that is merely blocking your access to your home and its grounds will not be covered if it hasn't caused any damage.
Insurance companies cap tree removal coverage on the basis of a percentage of policy limits, a set amount, or a per-tree value. Insurance companies typically limit tree removal to 5% of your policy limits if you have a $250,000 home.
If your home has been severely damaged by falling trees, an extended replacement cost endorsement may be required to cover any additional expenses. It can save you time and money by reducing your premiums when you renew your insurance.
It is important for homeowners to consider trimming trees that are unhealthy, old, or prone to falling during storms. This is especially important in the event of a storm approaching.
According to Insurance Information Institute, many home insurance providers will cover the cost of removing a tree that causes damage to your home's structure or any other buildings, like a shed, garage or fence. In addition, they usually cover the removal of debris if it is blocking your driveway or handicapped-accessible entrance.
A tree that falls on your home is usually not covered by most homeowners policies, even if it was caused by an event that is covered. Standard homeowners insurance will not cover you for a flood or earthquake that causes a tree to fall on your home.
If you do anything that makes the tree more susceptible to falling, like allowing it become decayed or negligent tree caretaker, some insurers may not cover tree removal. Tree care is key to avoiding these problems. Keep trees healthy, and don't allow them to get too tall. This can increase the chance of them being damaged by storms or other hazards.
To ensure that you are covered for tree removal costs if necessary, it is recommended to have additional insurance for areas where hurricanes, floods or earthquakes are a frequent threat. These policies are usually much cheaper than standard homeowner’s insurance and can save you significant money over the long-term.
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Tree Removal Montgomery County
While trees can be a great addition to any property and make it look beautiful, they can cause damage to your house or other structures. Homeowners insurance will often cover tree removal costs after a storm. It depends on the circumstances surrounding the tree's fall. Most policies cover the removal of any debris that falls…