Have a large oak tree that is dying that could threaten my home or my neighbor should we get a hurricane. My deductible is $1000 would the homeowners insurance provider share in the expense to have the tree safely removed?

  1. 21750 POINTS
    Jim WinklerPRO
    CEO/Owner, Winkler Financial Group, Houston, Texas
    Great question! The answer to the question really lies in the provisions of your specific policy. Most will help pay for the cost of a tree downed by a storm, the cleanup, and even the replacement tree, but a standing tree is another matter. Call your agent, and have them determine what your policy will cover. Another bit of advice - check with your local city or county commission, and ensure that you don't violate any ordinances by cutting it down.  You may need a permit first, even if it is on your private property. Here in Houston, you can incur very healthy fines if you cut down or trim one of the great oak trees that share space with any city owned property. If you need help, please feel free to contact me. Thanks for asking!
    Answered on May 4, 2014
  2. 37376 POINTS
    David G. Pipes, CLU®, RICP®PRO
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    Your insurance company provides a policy that specifies which hazards it covers. The company assumes that you as a homeowner will take every precaution to make your home as safe as possible. If they determine that there is a hazardous condition on your property they can make renewal of the insurance depend on your taking care of the situation. We see this most often with roofs; however, a sick tree would be such a situation as well.
    Answered on May 6, 2015
  3. 14231 POINTS
    Tom SheehanPRO
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    That sounds like a geat idea, but unlike Health Insurance policies that cover preventative care, a Homeowners policy is really not set up to to that. Talk to your Insurance Professional about the specific terms, conditions and limitations of your policy. Most if not all include a provision that indicates that you as the insured, are assumed to maintain your property both to secure the integrety of it and thus minimize the potential of loss. The policy would be there in the event that there was a loss that was included in their list of coverered perils. Naturally, if the loss is to your home or personal belongings, the settlement would be subject to your property deductible. If that tree came down, with you knowing that it was compramised, and it caused damage or injury to someone else or their property, more than likely there would be coverage under the liability portion of your policy and that is not subject to a deductible. The cutting up and disposal of the tree and debris is probably also covered, but subject to policy limitations and your deductible.
    Answered on June 17, 2016
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