Homeowner’s are not typically responsible for tree damage caused to a neighbor’s property unless their own neglect was a crucial contributing factor to the incident.
Will Homeowners Insurance Cover Tree Damage To A Neighbor’s Property?
You may be wondering if you are responsible in the event a tree from your property falls onto your neighbor’s property, causing damage. Typically, you are only considered responsible if your neglect was a contributing factor to the tree’s ultimate demise.
However, if a storm results in your healthy tree falling onto a neighbor’s home, the neighbor must file a claim through their insurance provider.
What Happens If The Tree Was On Your Neighbor’s Property?
If damage is caused to your home by a neighbor’s tree because of a storm, homeowners insurance may help pay for repairs.
Homeowners insurance could help cover repairs to your home or other surrounding structures that may have been damaged by the neighbor’s tree.
Will Homeowners Insurance Cover Tree Removal?
In addition to providing help with repair costs, homeowners insurance policies may also cover the removal of tree debris.
However, if the fallen tree branches did not cause any damage to your property, insurance likely won’t cover removal costs.
How Much Does Homeowners Insurance Cover For Tree Removal?
The amount homeowners insurance will cover for tree removal undoubtedly varies based on the specific policy.
Typically, you can expect homeowners insurance to help cover the costs by $500-$1,000.
What To Do After Storm Damage
Cleanup is needed when storms damage trees. Storm damage debris is not urgent, but if huge parts of your tree block public roadways or pose safety risks, call us immediately. How broad the storm damage is will affect our reaction time.
Document any property damage (except trees) with photos and contact your insurance carrier immediately. Most insurance companies need the tree company’s invoice to detail how much of the cleanup job involves home, fencing, automobile, and other structure damage.
Request specifics when filing a claim as your insurance may not cover anything else. Please let us know if there are any restrictions to optimize your reimbursement and reduce the financial impact of storm-related property damage. A tree staff can clean up quickly because there is no climbing involved. Cutting brush, chopping wood, and carrying waste are the main tasks.
Stump grinding and removal of large rounds of wood that have been cleared out of the road can be delayed if the storm was severe and schedules are backlogged. Dedicated to storm damage response, a professional tree staff will ensure public and family safety before moving on to the next urgent call.
Tree Removal in Phoenix, AZ
If you need tree removal in Phoenix or anywhere else in the Phoenix Valley, give Arbor Care a call today at (480) 797-5566 or receive a free tree removal estimate in Phoenix. Our Service area includes Phoenix, Tempe, Chandler, Gilbert, Mesa, Tempe, Scottsdale, Glendale, Peoria, and Surprise, Arizona.
