Trees downed by a storm, disease or old age can damage property or require potentially expensive clean-up actions. Homeowner's insurance policies sometimes cover tree removal services, and tree service companies may be required to carry liability insurance to protect themselves in case of a mishap.
You may be covered for tree removal. If the fallen tree did not hit an insured structure, there is generally no coverage for debris removal. However, some insurance companies may pay for the cost of removing the felled tree if it is blocking a driveway or a ramp designed to assist the handicapped.
That's why we provide dependable homeowners insurance that can help with tree removal after a covered incident, among many other perks. With a homeowners policy from Esurance, you can purchase any amount of dwelling protection you want so that your home can be fully protected if the worst happens.
Although insurance is essential when owning a home, it doesn't cover everything. Most of us aren't insurance experts and sometimes we don't know enough to ask the right questions. And let's face it, who even reads the policy itself? A couple of years ago, a tree fell on my house causing some damage.
Most homeowners policies will not cover the cost to cut down a dead tree while it is still standing. The insurance will only kick in if the tree falls and causes damage. However, it still makes sense to pay to take the tree down because it may also damage your neighbor's property.
Your home insurance generally won't cover any damage caused by branches or trees that fell and caused damage as a result of trimming, pruning or tree lopping. If you hired a professional to do the