1. Mark Bartlett CLCSPRO
    Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
    Tree root damage does not fall under the category of sudden and accidental. Tree root damage occurs over a long period of time and is thereby considered avoidable. I do understand the problem is out of site out of mind but homeowners have an obligation to maintain their property and if a plant becomes a hazard the issues needs to be dealt with therefore root damage is not a covered peril of a homeowners policy.
    Answered on May 13, 2013
  2. Mark Bartlett CLCSPRO
    Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
    No homeowners insurance will no cover tree root damage. Tree root damage is something that occurs over a period of time. A covered claim would need to be sudden and/or accidental and tree root damage is not sudden. Trees are just a big plant and plants need to be maintained. If they appear to be getting out of hand they need to be trimmed or removed.
    Answered on October 10, 2013
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