Actually, If you know the tree is a Hazard, You should have it removed. This is a maintenance issue, Not an insurance issue.
The best way to "lose" your homeowners insurance policy is to use it as a home and property maintenance plan.
If I understand your question properly the answer is no. Insurance is not designed to cover maintenance or repairs to the home that were not caused from a covered cause. Such as a dead tree leaning over your home that you think will fall on the house. Not only does insurance not cover removal of the tree prior to damage but it also puts a responsibility on you to remove it before it causes damage. If you know about a threat or should know about a threat it is your responsibility to mitigate the damages.
When the general contractor makes a threat to a homeowner, about selling all the homeowners personal property, that the contractors have in storage. And the contractor has not finished the repairs on the homeowner's house. Can the contractor sell their property?
Yes if it poses a property damage or liability threat. But, they should have sent you notice of intent to cancel if you did not have it removed in a set period of time. You must remove it now as you will have great difficulty obtaining coverage going forward. 4lifeguild
You are covered if they did not instruct you to take it down and your insurance is still in force. But, if you read your homeowners policy carefully I am sure you will find that it is your resposnibility to take it down if it poses a threat of property damage...so that being said, they could deny a claim. 4lifeguild
AnswerAs the owner of a property you have a duty to take steps to secure your property and make it safe. You also have an obligation to address maintenance issues that might endanger others.If you know the tree is a threat, you have a duty to remove or mitigate the threat in some way. failure to address a known threat to the safety of others that exists on your property can be construed as negligence. It's a maintenance issue and Home Owners Insurance does not provide payment for maintenance.
If the lightning struck tree falls on our covered home and damages it, your insurance will cover it. If you've just got a lightning struck tree out in te yard, then that's considered a yard maintenance issue. The tree should be removed if it poses an increased threat to your property.
_________are a situation that poses a level of threat to life, health, property, or environment.
Felled TreesNobody is liable for an act of nature. Generally you will be responsible for the portion that fell on your property and your neighbor is responsible for the portion on his own property. If you have coverage on your property insurance for felled trees and debris removal you could report it to your insurer subject to your deductible. Barring some provable negligence on the part of the property owner there would be no liability for a natural occurrence.AnswerIts not your fault that your property happened to be next to their tree. It also depends on the cause of the fall. Was it natural, or did someone purposefully or accidentally knock it over? Almost everything counts.
property
Property Wars - 2012 Triple Threat 2-10 was released on: USA: 21 March 2013
storm surge.
The greatest threat to life and property during a hurricane is winds because wind can make trees fly off the ground. Cause lots of things to happen