There are a number of responsibilities that come with being a homeowner, including understanding what is covered on your home insurance policy. Depending on the situation, there are instances where coverage may or may not apply. Consider whether the following scenarios apply to you to determine if tree removal services are included under your home insurance policy.

When is Tree Removal Covered Under Insurance?

Luckily, there are many instances where tree removal services will be covered under your insurance policy. Structural damage from falling trees or limbs due to extenuating circumstances is typically covered by home insurance.

For example, if a tree becomes uprooted or broken during a storm and falls on your house, shed, or other structure on your property, insurance would provide assistance in repairs as well as tree removal.

Property and structural damage isn’t the only prerequisite for tree removal. If a tree falls as the result of a fire, vandalism, or vehicular damage, the removal could also be provided by your insurance.

When is Tree Removal Not Covered?

Unfortunately, there are also occasions where you may be responsible for paying for your own tree removal. The most common scenario would be if a tree collapses or breaks due to rot or aging. Even if the rotting tree causes property damage, insurance may not cover the incident as it’s considered negligence. Keep an eye on the trees surrounding your home and cut down old or rotting ones before they can cause any damage.

Additionally, some policies won’t include tree removal for flooding, mudslides, or earthquakes, but more providers are creating alternate protection options for these occurrences.

If you’re shopping for a home insurance policy, consult with the team at Phil Taylor Insurance Agency in Clarksville, AR. Whether you’re looking for home or auto policies, these professionals can help you select the right plan for your needs. To learn more about their coverage and policies, visit them online or call (479) 754-2616.