Best Answer
Homeowners Insurance and Tree RemovalYou will need to contact your insurer or refer to your policy language for coverage advice. It really just depends on the type of policy or coverage you have.

If you purchased a more economic HOA or HO1 Policy then likely there will be no coverage for tree removal unless the tree fell on top of your house in which case it would cover it.

HOB Homeowners policies also known as an HO2. May or may not have coverage for Tree and Debris removal depending on the endorsements or exclusions it may carry. Again, unless the tree fell on the house.

An HOC Homeowners policy also known as an HO3 or an "All Risk Policy", Will usually have the coverage for tree and debris removal.

I don't know of any homeowners policy that would cover damage to a road without a specific endorsement for it. There is no HO1 coverage for trees due to wind...either for their value or to cut & haul them off, UNLESS they land on covered property such as your house, fence, detached garage, or any other covered structure on the insured premises. Then, there is normally a limited $$ amount to pick the tree up off the covered property (in order to repair the covered property), cut & haul it off. A paved driveway is usually considered a "structure"....if a tree falls on it & cracks it, there may be coverage.

User Avatar

Wiki User

โˆ™ 2014-03-21 20:25:46
This answer is:
User Avatar

Add your answer:

Earn +5 pts
Q: Does homeowners insurance cover damage to a private road leading to the house or removal of trees felled by a hurricane?
Write your answer...

Related Questions

Will homeowners insurance cover injuries from an auto accident on private property?

No. Homeowners Insurance does not cover Auto accidents. Auto Insurance covers automobiles. It does not matter if the auto accident was on public or private property.

Can a mortgage bank or company cancel your homeowners insurance with a private company?

What do you mean "private company" If you have HO insurance the bank can not canel it. Only you can.

Are there any private insurance companies still writing homeowners policies in Florida?

Did you ever get an answer?

Is insurance required for private roads owned by a homeowners association?

No--unless it is required by the HOA bylaws or CC&Rs. However, having liability insurance is advisable for a homeowners' association because of the expense and burden of lawsuits in today's world.

Does homeowners ins cover accidents or injuries on a private road in a subdivision?

No, You would need to look for your auto insurance for road accidents

Is private mortgage insurance the same as homeowners insurance?

They are not the same. Homeowner's insurance insures the property: dwelling, personal property, other structures on the property, etc. Private mortgage insurance pays the mortgage in case of the death or disability of the mortgagor.

Who are the suppliers for private health insurance?

Premier Choice Group is a leading provider of private health insurance. They also offer international coverage which is great for travelers and expats. Many people don't realize that health insurance usually do not cover medical expenses that are incurred abroad.

Do you need insurance for hauling personal items for people?

You need insurance to protect yourself from a lawsuit by private people. Since you are not dealing with vendors they nobody will probably ask you to see a copy of your policy but without insurance you are not covered. The answer would basically be the same to "do I need Homeowners insurance if i don't have a mortgage".

Which private health insurance companies cover dental insurance?

Agile Health Insurance makes it simple to choose, compare & apply online for affordable Health Insurance from leading Health Insurance Companies with ObamaCare options, Short-Term Health & Dental Insurance too!

What is a private insurance plan?

Private insurance plans include all forms of health insurance that are not funded by the government.

What is a private health insurance plan?

A private health insurance plan is one that you pay for yourself and covers you and your family. It is possible to have health insurance through your employer and private insurance at the same time.

What is the definition of private health insurance coverage?

Private health insurance is an alternative to government issued health insurance. It can be provided through a union or employer or one can purchase it from a private health insurance company.

How did the government health insurance program in Canada effect private insurance companies?

Private insurance companies provide some coverage where the public insurance fails in Canada. The health insurance act of 1984 was instituted and provided problems for private insurance companies seeking to enter the market. Many canadians have private insurance to cover small things like vision care.

How do multiple loss claims on a personal articles policy for jewelry affect this policy and your Auto and homeowners?

Multiple losses on any policy will guarantee a cancellation. A cancellation on a home insurance policy will pretty much guarantee that you will not get another homeowners policy at anything close to a reasonable rate. Also, you can be assured that no company will allow you to purchase jewelry floater policy either. I hope your state has an insurance pool for those who can't buy insurance in the private sector.

Which major insurance companies offer private healthcare?

All insurance companies offer private healthcare. All healthcare is private due to HIPPA laws. Anthem is a great insurance company that offers private healthcare.

How much would private health insurance cost me?

Private health insurance would cost 150-300 dollars a month. Since the insurance is private, the premium will be a lot higher than regular health insurance.

Does PMI help the homeowners skip a month's payment if a spouse lost their job?

The provisions were just made available through the Obama administration. The private mortgage insurance covers job loss and allows the consumer to not only skip a mortgage but also an insurance payment.

If you hit the side of a garage when pulling in will insurance cover it even if happened at a home on private property?

More than likely the homeowners insurance or the auto insurance would cover the damage. The person would have to evaluate whether the deductible and possible increase of rates would be worth filing a claim on either policy.

Is private mortgage insurance available in Pennsylvania?

Yes private mortgage insurance is available in Pennsylvania. Private mortgage inusrance is available in all states you just need to look around and find a place that deals in private insurance.

How do you notify a homeowners insurance carrier of a dangerous dog?

You don't. If you are concerned about a dog in your neighborhood, it is better to try to prevent any possible injuries by calling the local dog warden. If you call the "homeowner insurance carrier", it is obvious that your only concern is in intervening in that homeowner's private insurance contract and that can get you into trouble and will not improve the safety in your neighborhood.

What is the function of private hire insurance?

Private hire insurance is insurance provided to Private Hire drivers, or Taxi drivers, as they're better known! The function is to provide insurance and indemnification against legal and medical costs in the event of an accident.

Can you still get medicaid for your child if his father has him covered on court ordered private insurance?

Yes - private insurance is not a bar to Medicaid eligibility - but tell your Medicaid caseworker so that the private insurance is billed first.

How does one get private health coverage?

"You get private health coverage or insurance by purchasing it from a private health insurance company. There is Athem Blue Cross, and that is the main one."

How many Irish people have private health insurance?

It is estimated that 49% of the population of Ireland is covered by private health insurance.

Is it trespassing in virginia to drive down private road owned by several homeowners?