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Bottom Contributor | Will insurance help pay for me to remove some dead trees from my yard? |
My house has 2 huge dead pine trees that could fall on top of it when they fall. I'm going to get them cut down, so will my farmer's homeowners help pay some of the cost. The trees died from pine beetles, if that matters. |
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InsuranceAdvisor
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Most likely No. Insurance is there to reimburse you for the loss. It's a responsibility of the insured to prevent the loss |
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mamatohaley+1
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No, just like you auto insurance won't pay to have your car repainted if it starts to rust. We are responsible for the maintenance and upkeep of our property. |
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Zarnev
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No, they won't pay to have the trees removed just like they won't pay to fix your brakes to keep you from having an accident. |
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C T
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The only scenario in which I could foresee an insurance company paying for the removal of trees (dead of otherwise) would be in the event that they were causing structural damage to the property (or other structure) through the spread of the roots. Even in this scenario, I imagine the any claim would be assessed on the scale of any damaged caused and how progressive the problem is.
As previously mentioned by others, an insurance company would not pay for maintenance or preventative measures (major incidents perhaps excluded). Furthermore, failure on the part of the homeowner to take reasonable steps to prevent a claim occurring may harm the final settlement.
I imagine that if you are enquiring as the whether you can make an insurance claim on such a thing that you are not in a favourable financial situation. Therefore, it is worth considering that, on the slim chance that it is covered, and you go-ahead and claim for this, how will the claim affect next year’s premiums or will you loose some kind of discount off you policy?
It is obviously advisable to consult any documentation relating to your policy as cover can vary from place to place and company to company.
In summery, I would say that it is best to only claim when you absolutely need to. Should you have to claim, consider the harm it may do to next year’s premium. If less people made frivolous claims the rest of us would not be burdened with high premiums. |
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claimsadjuster
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No, under the HO3 policy form
Read your policy. Tree removal coverage extends if the tree falls as a result of a covered peril and hits your structure. |
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dakolombeean
 |
Nope. This is a maintenance issue that is not covered under a homeowners policy. The fact that you know they are dead and have not had them removed, could negate coverage under your policy.. if they were to just fall. It's your responsibility to maintain your lawn and remove any hazards. |
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mbrcatz
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No, that's maintenance. You'll have to pay to get them removed yourself.
If they fall, unless they hit a covered structure (that would be your house), there isn't any coverage to have them cut down then. If they DO hit your house, "debris removal" only covers usually $250 of tree removal, and only the part of the tree that hit the house.
Homeowners policies don't pay for maintenance. They don't pay to rake the leaves out of your yard (also tree maintenance), they don't pay to repaint your house (more maintenance) and they don't pay for termites - either spraying, or damage.
You have to maintain your own house. |
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edmistonlee
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My best advice is to speak with your insurance agent, afterall it his/her resposibility to explain your coverages. There are several things to take into consideration: the type of policy you have, the state you live in, etc. I doubt this expense would be reimbursed by your insurance company. However, should one of the dead trees fall on your house, you more than likely have coverage to help remove and even replace the trees. |
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bwatch
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talking about india there is no provision for any company to protect from loss.they will pay after death if you have an life insurance policy but not for treatment of your illness .and if you are willing to cut the trees,kindly take permission from forest department.if you donot do so,there will be chance of prosecution, |
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