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Does Homeowners Insurance Cover Tree Removal After a Storm?

July 22nd, 2022

Trees can enhance the look of your yard. However, these natural structures can also cause serious damage to your property in severe weather. You may be wondering what your options are and whether your insurance company will cover the cost of any damage. 

The TreeJob team is here to help you navigate the ins and outs of homeowners insurance and what they do and don’t cover regarding post-storm tree removal. Our team consists of certified arborists and certified insurance adjusters who help our customers move through the sometimes complex world of managing tree removal. 

Here are our insights: 

What Does Homeowners Insurance Cover Regarding Tree Removal 

What your homeowners insurance covers depends significantly on your policy, what caused the tree to fall, and what was damaged. Many insurance policies indicate that tree removal and related costs are covered by homeowners insurance depending on if the tree fall was caused by “covered peril.” 

For example, suppose wind is covered in your homeowner’s policy as a “covered peril,” and it’s discovered that wind was the cause of the tree falling. In this case, any related costs will likely be handled by your homeowner’s insurance. 

Additionally, where the damage happened is also important. Homeowner’s insurance typically only covers your home and any relevant structures. So, if the tree fell on your home, garage, or shed, you’ll likely have coverage. 

What Does Homeowners Insurance Not Cover 

Again, homeowner’s insurance will only cover what your policy says it will, depending on how and where the damage happened. For example, if the tree falling on your home was caused because the tree was poorly maintained rather than the storm itself, then your homeowner’s insurance likely won’t cover the cost. The same goes for if the tree falls in your yard and not on your home. 

Therefore, it’s vital to look at your policy to understand where your coverage begins and ends. 

How the Team at TreeJob Can Help 

The TreeJob team can help in two ways: 

First, we can ensure that each tree on your property is well-maintained. Whether a tree requires a root barrier to protect the root system or a deep root feeding to help replenish its nutrients, we can make sure your trees are healthy and can stand up to severe storms. 

Second, if a tree falls on your property, we have certified arborists and insurance adjusters who can inform you of what your insurance company is likely to cover. They can also correctly write up a job to support your claim and help your insurance company reimburse you. 

Our goal is to ensure that your work is done when we walk off your property. Whether you need support for your trees, tree removal, or help to navigate the claims process after a storm, our team can help. Reach out to us for a consultation. 

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