Will homeowners insurance cover tree removal?

NOTE: Coverage depends on your policy and should always be confirmed prior to assumption.

Tree removal coverage depends on the terms of your specific policy and why the tree fell and what it damaged. If a tree falls because of a covered event, such as wind or lightning, and damages a covered structure, insurance may help cover the costs for removal. Some policies also help when a fallen tree blocks access to your driveway or entryway. If a tree falls without damaging anything or falls because it was unhealthy or poorly maintained, this situation won't typically fall under insurance coverage. 

Tree removal is usually covered when:

• A storm knocks a tree onto your home
• Lightning causes a tree to fall and damage your property
• A fallen tree blocks your driveway or disrupts accessibility to your home

Tree removal is usually not covered when:

• The tree falls and causes no damage
• The tree falls due to rot or lack of maintenance
• The tree is removed as a precaution

Here are some tips to help prevent trees falling:

• Trim dead or damaged branches
• Schedule periodic tree inspections
• Keep trees properly maintained
• Monitor soil conditions after heavy rain

Because tree removal coverage limits and exclusions vary widely, reviewing your policy details is essential! Do not assume you have coverage. If you have a Bamboo policy, feel free to reach out to us at (833) 922-6266 to ask about tree removal coverage on your policy.