Homeowner's insurance can cost thousands of dollars every year. Luckily, there are several simple and effective tips for lowering homeowner's insurance premiums. One of the most expensive types of insurance is wind / tree damage insurance. High wind, hurricanes, and tornadoes can strike almost anywhere without advance warning. Old trees, overhanging limbs, and very tall trees can cause extensive damage to a home and adjacent property. By using a tree service to remove dead and very tall trees, homeowners can request a discount on insurance premiums. Tree removal can pay for itself in reduced insurance premiums in only a few years.
Insurance may assist in the removal of a dangerous tree on your property if the tree poses a threat to your home or structures. It is important to check with your insurance provider to see if tree removal is covered under your policy.
Whether home owners' insurance covers tree removal depends on the particular policy you have. Many policies, but not all, will cover removal of a tree that has fallen on a house. However, a tree fallen across a driveway may be a different matter. Read your policy and talk to you insurance agent or representative.
yes
No, Homeowners insurance does not provide coverage for Landscaping or lawn maintenance nor for land or tree maintenance.
No, not normally unless that tree is a hazard to the insured structure. Tree trimming, maintenance and removal of trees and shrubs are a normal part of your landscape maintenance and are not covered by your homeowners Insurance policy. Some companies will offer additional coverage for a premium that provides for tree removal even when not a hazard but it is usually added as an endorsement to the policy.
Lightning Struck TreesIf you have an HO3 all risk policy you may have coverage for Removal of damage shrubbery and trees But Generally No. Most home insurance polices are on Form HO1 and HO2 and will not cover the cost of debris removal unless the felled tree has damaged a covered structure on your property.
Not necessarily. Many policies include a clause specifically addressing tree removal, and very often this policy limits the payment for removal of downed trees to $500 -- and that's $500 TOTAL, not per tree. The only way to know for sure what your policy covers is to check your individual policy, and speaking to your insurance agent is always a good idea. You can sometimes purchase additional insurance for tree removal if you feel you may be at risk due to the number or size of trees that you have and the likelihood of major storms in your area.
generally yes but only out of your own yard...and as long as there is green leaves/needles meaning a healthy tree
Home Insurance and Felled TreesYes it does. Not only does it cover the cost to repair the house but also removal of the tree. If you have others in danger of falling, it is your responsibility to take them down.
Homeowners Maintenance ResponsibilitiesActually, 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.
One of the best tree root removal tools available on the market is a root saw or root axe, which are designed specifically for cutting through tree roots efficiently.
Need tree removal in Wollongong & Illawarra? Lee’s Tree Service can help! From tree removal & pruning to stump grinding & emergency services, They handle it all safely & affordably. visit: leestreeservice.net.au Call: P: 1300 673 407 M: 0408 783 050