Having been in the insurance industry for years, this question is probably one of the most popular inquiries we get!
Limited coverage (usually $1000) is provided on the homeowner’s policy to remove a tree that has damaged a covered property due to wind, hail, and the weight of ice, sleet, or snow. This coverage responds provided the tree 1) damages a covered structure or 2) does not damage a covered structure but a) blocks a drive way and prevents a vehicle from leaving or b) blocks a handicap ramp or fixture.
The policy that responds is the policy of the damaged property. So….if your neighbor’s tree is blown over onto your home, your policy responds, not his.
Remember- there is NO COVERAGE if the tree is simply unhealthy and falls!
If this happens, the expenses are the responsibility of the homeowner, not the insurance company. Make sure that your trees are healthy and remove them if they appear lifeless or leaning.
By Robin Price
If my neighbor has a large tree in poor condition that could fall onto my house or property, is there anything that I can do to deal with this before the tree falls?
April 5th, 2011 at 1:10 pm
Robin, I have a rental house. There are two huge dead trees on the property next door. The homeowner refuses to have them removed. I have sent a certified letter to her concerning the trees and her responsibility if they cause damage to my house, but she refuses to accept the letter. Three attempts have been made to deliver the letter. What do I do now? Thank you for any advice that you can give me. Anne Winn
April 5th, 2011 at 5:35 pm
Anne, Be sure to keep a journal of any verbal and written documentation. Depending on where your property is located, you might want to speak with the city or township concerning the trees. Hope this helps. Robin
April 6th, 2011 at 10:49 am
Keith, Be sure to put your neighbor on verbal and written notice. Make sure you keep a journal with all your entries. Hope this helps. Robin
April 6th, 2011 at 10:50 am