Question:

Can an Insurance Co be expected to pay to remove a branch from my tree that threatens my house if it falls?

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We are dealing with household insurance.

An arborist's report says the branch is a threat.

The branch's integrity was damaged by a lower branch falling off in a recent storm and damaging the trunk of the tree.

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  1. Yes they normally can. In the storms last year a tree in my front garden was damaged an lent slightly backwards towards my house.

    The insurance company paid for the tree to be cut down.


  2. No, the homeowner is expected to perform any preventative maintenance on their property.  Insurance covers certain unforseen or unexpected events that cause damage to the house.

  3. No.

  4. No.  You are responsible for the maintenance of your property, not the insurance company.  I certainly wish it would be covered.  I have some very large pine trees next to my house.  They are getting older, and will cost a fortune to remove.  Should the tree damage your home, then you should be covered if you have the appropriate coverage.

  5. No, that's called "maintenance".  You're responsible for maintaining your own property.

    However, if you now know that there is a threat, and you the property owner don't do anything to fix it, then it's not an unexpected loss any more, is it.  So the insurance company can deny the claim.  

    And if you don't take it down promptly, they can cancel your policy, for an increase in hazard.

  6. Very doubtful. They'll only pay after the branch falls and does damage to your house.

  7. The insurance company does not pay to prevent losses.  That is your job as a property owner.

    Removing the dead tree or limb is a maintenance issue. Insurance policies do not pay to maintain your property. That's your responsibility.

    If the tree limb falls damaging your home - then the policy will pay to remove that limb (the one that fell on the home)  and repair the damage - not cut the whole tree down.

    You will need to pay to have the damaged tree taken down.

  8. Try it and see; it may be down to the type of cover that you have.

  9. No, and they won't cover any damage if the tree isn't healthy when if falls.
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