{"id":136956,"date":"2022-01-24T12:00:00","date_gmt":"2022-01-24T17:00:00","guid":{"rendered":"https:\/\/timberworksva.com\/?p=136956"},"modified":"2022-01-24T12:00:00","modified_gmt":"2022-01-24T17:00:00","slug":"does-insurance-cover-tree-removal-services","status":"publish","type":"post","link":"https:\/\/timberworksva.com\/does-insurance-cover-tree-removal-services\/","title":{"rendered":"Does Insurance Cover Tree Removal Services?"},"content":{"rendered":"
Should an emergency event strike your home, you would probably want to know right away if your homeowners\u2019 insurance covers your needs. For instance, if a tree on your property falls during a storm, does your insurance cover its removal cost? The answer depends on several factors: the exact cause of the fall, the damage it created, the type of storm that struck, and more. Check the details of your insurance and contact Timber Works Tree Care for <\/span>emergency tree removal services<\/span><\/a> in Haymarket, VA.<\/span><\/p>\n Timber Works provides a variety of services throughout the region, including tree removal, trimming, land clearing, stump grinding, forestry mulching, and more. We take pride in offering excellent customer service as well as technical expertise in tree care. Moreover, our team is covered by both <\/span>Workers\u2019 Compensation<\/span><\/a> and <\/span>liability insurance<\/span><\/a> to protect our customers from workplace accidents culpability. Contact us today to learn more and receive a <\/span>free project estimate<\/span><\/a>!<\/span><\/p>\n Below, we outline the instances\u2014and exceptions\u2014wherein homeowners\u2019 insurance covers emergency tree services:<\/span><\/p>\n The basis for homeowners\u2019 policy coverage lies in what <\/span>insurance providers call <\/span>named perils<\/span><\/i><\/a>, that is, events that can damage homes. While policies may differ in a few of their listed perils, most share events such as:<\/span><\/p>\n Coverage options differ depending on a structure\u2019s location. For instance, homes in the <\/span>Midwest\u2019s Tornado Alley<\/span><\/a> will include coverage for extreme gusts and twisters.<\/span><\/p>\n Homeowners\u2019 policies protect certain things<\/span><\/a> that, collectively, people think of as \u201chome.\u201d These include a house\u2019s structure, residents\u2019 personal belongings (up to the policy\u2019s limits), living expenses if a peril displaces residents from their home, and liability coverage for bodily or property damage.<\/span><\/p>\n With the details of homeowners\u2019 insurance in mind, we can ask whether its coverage extends to tree removal. The short answer is <\/span>yes<\/span><\/i>: if a tree falls on your home due to one of your policy\u2019s named perils, your insurance will cover the cost of its removal.<\/span><\/p>\n This coverage comes with caveats, however. For instance, if a tree located far from your home\u2014but still on your property\u2014falls, its removal may not be covered. Although it sounds trifling, this scenario could be a sticking point if the fallen tree blocks your driveway. So, <\/span>when you need emergency tree removal<\/span><\/a>, contact Timber Works and we\u2019ll see how we can help.<\/span><\/p>\n In addition to named coverages, you should take careful note of when your homeowners\u2019 policy does <\/span>not<\/span><\/i> cover tree removal. Doing so may require reading between your policy\u2019s lines, but you can speak with an insurance company representative for clarification.<\/span><\/p>\n As you might expect, your policy will not cover extreme weather events that are not listed as named perils. Most <\/span>regular HO-3 homeowners\u2019 policies<\/span><\/a>, for instance\u2014the most common type of policy\u2014do not cover earthquake or flood damage. If you live in a flood plain, you should look into a flood policy or a rider on your homeowners\u2019 policy for further coverage of storm damage tree removal.\u00a0<\/span><\/p>\n Additionally, your insurance won\u2019t cover removal for trees that fall due to <\/span>rot and disease<\/span><\/a>. Plus, if a rotten tree falls during a named peril and the insurance adjuster concludes its rot caused the fall, your policy won\u2019t cover the cost of removal. Finally, <\/span>insurers tend to limit coverage for tree removal costs<\/span><\/a> at 5% of your structure\u2019s insurance amount.<\/span><\/p>\n <\/p>\n By investigating your homeowners\u2019 insurance policy now, you can determine its limits and coverages <\/span>before <\/span><\/i>you need its support. Should a tree fall on your property during a storm, turn to Timber Works Tree Care for <\/span>emergency tree removal services<\/span><\/a>. We offer comprehensive tree care options\u2014including tree trimming, stump grinding, forestry mulching, and more\u2014throughout Haymarket, VA. Moreover, we cover our team with <\/span>Workers\u2019 Compensation and liability insurance<\/span><\/a> to help protect our clients. To learn more, call us at (540) 692-9606 or <\/span>fill out our online form<\/span><\/a> for a free project estimate!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":" Should an emergency event strike your home, you would probably want to know right away if your homeowners\u2019 insurance covers your needs. For instance, if a tree on your property falls during a storm, does your insurance cover its removal cost? The answer depends on several factors: the exact cause of the fall, the damage […]<\/p>\n","protected":false},"author":1,"featured_media":136957,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[11],"tags":[61,136,56,65,47],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/timberworksva.com\/wp-json\/wp\/v2\/posts\/136956"}],"collection":[{"href":"https:\/\/timberworksva.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/timberworksva.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/timberworksva.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/timberworksva.com\/wp-json\/wp\/v2\/comments?post=136956"}],"version-history":[{"count":0,"href":"https:\/\/timberworksva.com\/wp-json\/wp\/v2\/posts\/136956\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/timberworksva.com\/wp-json\/wp\/v2\/media\/136957"}],"wp:attachment":[{"href":"https:\/\/timberworksva.com\/wp-json\/wp\/v2\/media?parent=136956"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/timberworksva.com\/wp-json\/wp\/v2\/categories?post=136956"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/timberworksva.com\/wp-json\/wp\/v2\/tags?post=136956"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}How Homeowners\u2019 Insurance Works<\/span><\/h2>\n
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When Homeowners\u2019 Insurance Covers Tree Removal<\/span><\/h2>\n
When Insurance May <\/span>Not<\/span><\/i> Cover Tree Removal<\/span><\/h2>\n
Get Emergency Tree Removal in Haymarket, VA, Today!<\/span><\/h3>\n