Tree Service Insurance Claims

With the recent storm, we have been spending a lot of time removing damaged trees and restoring damaged property. Most of our work has been covered by the home owners’ insurance policies, which is great when it comes to avoiding a huge unexpected expense.  However, an emergency situation is never the best time to have to figure out your insurance’s coverage and procedures. Below is a simple guide to some of the most frequent questions we receive from homeowners:

1. If your neighbor’s tree falls in your yard, whose responsibility is it? The short answer is that it is YOUR responsibility. If their tree falls on your property, it is considered an act of God, and will be covered by your insurance policy unless you can prove that they knew the tree was a hazard before it fell and that they could have prevented the damage.  BE PROACTIVE If you notice that a neighbor’s tree looks like it poses a hazard, have a chat with your neighbor about getting it removed. If they are not receptive to the idea, get a letter from a certified company stating that the tree is a hazard and should be removed. That way, you will be prepared if it does cause any damages to your property.
2. What will my insurance company cover? Most policies cover removal of trees and debris that cause damage to your property (i.e. house, deck, fence, shed etc.) Insurance usually does not cover a tree (or portion of a tree) that is still standing or a tree that has fallen on the ground, but has not damaged any of your property.
3. There is a tree on my roof, do I have to wait for a claims adjuster? In case of emergency you usually do not need to wait for your insurance to give you a quote to remove the tree from your roof and cover any holes with a tarp. A tree sitting on your roof is liable to cause more damage while you wait! However, do make sure that you document the damages and save invoices and receipts to make sure that you are reimbursed. Also note that for repairs (such as damage to your roof) you may need to wait for a claim adjuster.
4. How much is going to come out of my pocket? You will only have to pay for your insurance policy’s deductible. In an emergency, don’t worry about shopping around for the lowest quote. You insurance company will handle payment for the tree service. This is why it is important to use a company that is knowledgeable about tree service and certified to handle tree removal. Using an unreliable, unlicensed and uninsured  service company could end up costing you more in the long run.
5. What can I do to prevent damage in the first place? Be proactive. Even if your insurance company covers damage and repairs, it’s better not to risk it. Storm related tree damage can cause severe property damage, injury and even death. Get hazardous trees and limbs removed. Contact a licensed tree expert or arborist for a tree assessment.

We hope this advice helps demystify things for you. Please contact us (301-603-1080) if you have any questions or if you would like a tree assessment. Also, insurance policies differ, while our advice applies to *MOST* policies, be sure to check with your agent to make sure you know the facts.