Consumption and Real Estate
In general, does Homeowners’ insurance cover removal of a tree that is about to fall on to the house?
Question : In general, does Homeowners’ insurance cover removal of a tree that is about to fall on to the house?
general homeowners insurance
Best answer:
Answer by franken4110
if you get an arborist to do it he must have his own insurance make sure anyone doing work on your premises is fully insured cos if they hurt themselves or anyone/thing else, you could be liable personally.
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#3 written by cowboydoc 1 year ago
That would be like thinking that your auto would cover any mechanical problems to prevent an accident. I’m sorry but it doesn’t work that way. The tree is going to have to fall on the house before they’ll cover it.
And, in fact if you allow a dangerous problem to exist they may not cover it at all so, you’d better check. -
#4 written by Huero 1 year ago
Insurance companies do do not pay out money based on what might happen. They only pay for damages suffered as outlined in the policy.
All insurance companies are the same. They do not want to contribute towards preventing future damages. If they did so, they would pay out too much in claims. It’s cheaper for them to pay for actual damages incurred by the policyholder.
Additionally, it is your responsibility to take reasonable, preventative action, at your own expense, when you foresee that the safety of your insured property is threatened.
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#5 written by llittle mama 1 year ago
I don*t know about your insurance but our does not/ In fact our insurance did not even cover the removal of a tree that fell on our house because it did not damage the roof.
And the new insurance stuff stinks. if you just call and ask a question (not put in a claim) they consider it a claim.
We had our insurance cancel led for just that reason, and it is perfectly legal. Another person could not get insurance on a house she bought because the previous owners had put in claims on the house (this was on Dateline, Nightline one of those programs) -
#7 written by njss 1 year ago
You would have to check up with the insurance as they all are a bit different but in general I would say that the cost of removal is yours alone and by the sounds of it needs to be done ASAP. If at all possible it may be a lot less expensive if you can do a lot of the work yourself. Some machinery can be hired e.g a wood chopper and you can use the wood bits for the garden and for paths through the garden. It is amazing how much wood you can chip this way. I have created a small mountain of wood chips so both genders can do the work. Tricky to be on a ladder sawing also dangerous but my partner and I have done it on some monster trees— a pepper tree ,pine trees and gum trees twice as high as the house. It is careful work as you can only cut small section at a time with ropes attached to pull each part down working from the top down. We also hired a grubbing machine to chew out the root base as we were putting down pavers and you don’t want the trees to grow back from the root base.
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#8 written by reddaisy 1 year ago
How funny you asked. I just had my neighbors tree fall through my fence and fall on my house and on the way down the neighbors tree fell into my 40 ft pine tree and pulled it out of the ground on a 25 degree angle. On good push and it would have fallen over onto my house, but the insurance company would not pay for my damaged pine tree that was ready to fall because of the other tree. And the real killer was that if I did not remove the damaged pine tree and it fell on my house they would not of cover the damage from the pine tree because it is the property owners responsibility to keep your yard safe. Only the damage from the neighbors tree that actually fell was covered.
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If your tree rests between two power lines,you can ask your electric company to send their forestry department to remove the tree.They should do this for free,usually only if the power lines are the ones that reach from pole to pole.[not pole to house]
Good Luck