Should I Get Tree Insurance

Most home insurance policies cover property damage caused by tree damage, but there are limitations to the coverage. Generally, your insurance provider will cover damage that is a result of unforeseen or uncontrollable circumstances. For example, if your tree comes down in a storm or some other accident and damages a structure on your property, then the home insurance provider will likely cover the cost of the tree removal. If you want to remove the tree just because it is getting old or is not aesthetically pleasing anymore, then you may have tough luck. In short, accidents are likely covered but cosmetic resolutions are not.

What Home Insurance Policies Generally Do Not Cover

As mentioned earlier, home insurance providers will cover damage to your property that was caused by some accident or natural phenomenon out of your control. However, there is a lot that your home insurance policy does not cover. It is the homeowners responsibility to take care of the trees on the property. Dead or dying trees are insecure and threaten your property. Preventable situations will usually not be covered because you should have maintained the tree or removed it before the accident happened.

Also, costs of removals for trees that fall over but do not damage insured property will usually not be covered by your home insurance provider. These scenarios require the assistance of tree service professionals like Sesmas Tree Service. Luckily, Sesmas Tree Service is an experienced and affordable service provider in Atlanta.