Did you know that trees in your yard boost your property’s value? At the same time, it also poses a risk to your property in case of storms. This is why you must protect the trees in your property. When a tree falls due to a storm, will your home insurance policy cover the cost of removal ? Read on more to learn about the issue.
Trees that were taken down by storms, such as hail and high winds, are usually covered by many homeowners and renters’ insurance policies when they fall on your fence, garage, or house. However, some policies will not cover your tree removal if it did not cause any damage to your house or if the removal happens before the storm. Most likely, you are going to pay for the expense out of your pocket, so when an arborist recommends to remove the tree, do it immediately. It will help you avoid future problems with your insurance company.
According to the Insurance Information Institute research, the average tornado home damage claim is $24,000, the winter wind claim is $7,000, and the snow or ice claim is $4,757. A Nationwide study said that tornado and winter storm damages are the most common causes of tree insurance claims. Typically, home insurance policies can cover up to $1,000 of tree removal cost per storm.
Many homeowners end up paying additional costs because they are under-insured. Then, after the first claim has been filed, their insurancerates usually go up by 9 percent on the average. Expenses like these can be avoided when you take a proactive role in keeping your tree healthy and safe.
It is essential to schedule a regular inspection and conduct pruning or trimming as necessary. These measures can minimize the threat your tree poses to your property in case of storms and other natural calamities. Learn how to recognize when your tree is not healthy and is becoming unsafe for you. The signs include the presence of decay-producing fungi, such as mushrooms that usually grow at the base of the tree. You can also see cracks in the trunk and chipping and peeling bark, dead branches in the upper crown, and fine twigs without buds.
When you notice any of these signs, call a professional tree service provider to inspect your tree. They can identify the causes and give you advice on what to do to proceed. Sometimes, you only need the services of pest control, weeding and fertilizing. If it needs to be removed, a tree removal company can provide you with an estimate. Leave the removal to the experts because doing it yourself without proper tools can be extremely dangerous. If you’re looking for a professional tree removal service, Brett Tree Serviceis your best option. We provide a wide range of options that can take care of any tree-related issues on your property. Contact us today for a free consultation.
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