Does Homeowners Insurance Cover Emergency Tree Services?

When disaster strikes and a tree falls on your property, you might be wondering, “Does my homeowners insurance cover the costs of emergency tree services?” More often than not, the answer is yes. Many homeowners insurance policies provide coverage for emergency tree services under certain circumstances.

However, your situation must meet some requirements to qualify for coverage. Understanding the ins and outs of your insurance policy—more importantly, what it doesn't cover—can save your finances in the event of an emergency. With a clear understanding of your policy, you can avoid high expenses when dealing with emergency tree services.



What Isn’t Covered

Many homeowners believe any tree-related incident falls under the protection of their insurance policy. However, this is not true. If you decide to remove a dangerous or dying tree from your property, your insurance policy likely won’t cover the cost. The responsibility for maintaining the trees on your property and ensuring they do not pose a risk falls squarely on your shoulders.

In addition, if a tree you know is in poor condition causes damage, your insurance may not cover emergency tree services. This will likely happen if your insurance provider finds out that the tree was problematic yet you did nothing about it. Address problematic trees on your property promptly. The health and safety of your family and the structural integrity of your home are at stake!

What Is Covered

On the bright side, homeowners insurance offers some relief for certain emergencies. Most insurance policies will cover some, if not all, costs associated with emergency tree removal. For example, if a healthy tree falls in a storm, your insurance provider can reduce the financial burden during the cleanup process. Still, there are conditions. To qualify for this coverage, the fallen tree must either damage your house or create an immediate hazard. For example, if a tree blocks your driveway or home entrance, it constitutes a limited covered peril, making you eligible for insurance coverage. Understanding these nuances can help you navigate your policy.

Our Southern Maine Tree Team Can Help!

Feeling perplexed about the aspects covered and not covered by your homeowners insurance is normal. That’s why we recommend you contact your insurance company directly. They can provide you with precise information about your policy.

Our team stands at the ready to collaborate with you. We aim to enhance your understanding of your coverage so you can navigate the complexities of your insurance plan. Contact our Southern Maine Tree team for unparalleled emergency tree removal services. Aside from helping you determine whether your homeowners insurance covers emergency tree services, we guarantee fast and effective work. Your safety is our priority, and we are equipped to handle your unexpected tree emergencies.