Will My Insurance Cover Tree Removal
When a tree is blocking your view and gives you the hassle of cleaning due to falling debris, you consider having it removed. No matter how high or short the tree is, you want to make sure that it will not cause damage to your property during a storm or other destructive weather happening. However, it might not be certain that your homeowner’s insurance will shoulder the cost. Virginia Beach homeowners face this dilemma every now and then, so it pays to know what is written in your coverage before it’s too late. Here are some important facts you need to know about homeowners insurance coverage.
When is Tree Removal Covered?
If your insured property is affected by a fallen tree, it is most likely that your homeowner's insurance will take care of the repair and removal costs. Even if it’s not your tree that caused the damage to your property, let’s say your neighbor’s tree fell in your yard, you can still make a claim to help recompense the damages.
Tree removal can cost you a hefty amount of money. You may need as much as $2000 to take down an old tree. That is a lot of money. Most plans only cover from $500 to $1,000 of the fees in removing your tree. You will still need to take care of the remaining cost if it exceeds the maximum amount written in your homeowner's insurance coverage. Insurance plans differ in one way or another. Some plans will cover removal costs and some may not. They may also vary when it comes to the maximum amount they will cover, so take time to review the coverage you have beforehand to help you prepare for worst-case scenarios.
Tree removal can cost you a hefty amount of money. You may need as much as $2000 to take down an old tree. That is a lot of money. Most plans only cover from $500 to $1,000 of the fees in removing your tree. You will still need to take care of the remaining cost if it exceeds the maximum amount written in your homeowner's insurance coverage. Insurance plans differ in one way or another. Some plans will cover removal costs and some may not. They may also vary when it comes to the maximum amount they will cover, so take time to review the coverage you have beforehand to help you prepare for worst-case scenarios.
When Tree Removal is Unlikely Covered
In most cases, homeowner’s insurance policies will not cover repair expenses if proven that the homeowner showed negligence on his part. It is important to take note that some homeowner’s insurance company require their policyholders to keep their homes in top condition to prevent it from having damages due to unpredictable events. Therefore, it is the homeowner’s responsibility to have regular tree service to protect his property. After all, preventing a possible problem will cost less than paying for the actual damage it will cause.
Also, if a tree does not hit any of your insured property, homeowners insurance will most likely not cover the cost for removing it. Simply put, you can’t expect to receive compensation from your homeowner's insurance if your tree fell causing no damage to your property during a storm.
Don’t wait for a storm or a destructive phenomenon happen before removing trees. The sooner you take care of these potential dangers, the fewer catastrophes they will cause in the end. Also, don’t forget to take photos to record damages. Insurance companies will use them to review your claims if you will be compensated or they will turn you down.
Also, if a tree does not hit any of your insured property, homeowners insurance will most likely not cover the cost for removing it. Simply put, you can’t expect to receive compensation from your homeowner's insurance if your tree fell causing no damage to your property during a storm.
Don’t wait for a storm or a destructive phenomenon happen before removing trees. The sooner you take care of these potential dangers, the fewer catastrophes they will cause in the end. Also, don’t forget to take photos to record damages. Insurance companies will use them to review your claims if you will be compensated or they will turn you down.
Whether you need tree removal service due to storm or you simply want to keep your home away from the possible threat of a falling tree, we are ready to help you. We are Virginia Beach’s go-to tree service. We will take care of your tree for you. Give us a call today, so we can provide you with a quote for both tree removal and stump grinding or removal.