Will my homeowner's insurance pay the cost of removing dead trees in my yard?

Answer 1

No. In fact, if a dead tree falls on your house, it is likely that the insurance company will deny the claim because they will consider it a maintenance issue. If a live tree, however, were to fall on your house, it will likely be covered. I recommend you call a tree service to remove the tree as soon as possible.

Insurance generally pays to remove the tree from your dwelling or other insured building but leaves it right there on the ground. It is the homeowner's responsibility to pay to have it removed from the premises. The insurance also will NOT pay to replace the tree because it is considered vegetation and most policies specifically exclude the replacement of vegetation.

Answer 2

No,, Landscaping and yard maintenance is a normal expected expense that comes as part of home ownership. It is also required under the terms of your insurance policy that you mitigate known dangers or hazards that could result in a loss. When it comes to trees this is about maintaining the fauna on your property, keeping it cut back far enough from the home to prevent deterioration and other hazards as well as compliance with local ordinances.

Failure to properly maintain a property, including landscaping and tree pruning as well as pedestrian hazards can void all coverage through negligence. The company could also opt to discontinue or cancel the policy on moral grounds.

Yard maintenance is not covered under the home insurance policy.