Dealing with a fallen tree can be frustrating and stressful, especially if it causes property damage. Depending on the circumstances, you might be wondering who is responsible for removing a downed tree. In most cases, who owns the tree and whose property incurs damage are two prevalent factors determining how you should approach tree removal.
If Your Tree Damages Your Property
In this case, you would take responsibility for removal, and your homeowner’s insurance policy will typically cover tree and incidental debris removal. Consider contacting your agent in person and getting an estimate from a tree service company before filing your claim.
If Someone Else’s Tree Falls on Your Property
Whether from high winds or your neighbor engaging in an outdoor project, someone else’s tree that falls is typically not your responsibility to remove. However, when it comes to paying for damages the tree caused, you still need to look to your homeowner’s policy to cover the cost. Get at least one estimate for the damage before filing a claim.
If Your Tree Falls on Someone’s Else’s Property
If your tree falls on a neighbor’s property, you will likely be the one to do the removal. However, do not be eager to take responsibility for damage to that neighbor’s car, house, or other structures. Their homeowner’s policy should take care of those expenses. Contact your insurance agent if you have questions or concerns.
Issues Regarding Insurance Coverage
It makes sense that a fallen tree on your property requires that you be the one to remove it. Your homeowner’s policy will typically pay for tree removal, which can cost about $500 for each tree or approximately $1,000 per incident. Insurance that covers debris removal usually applies to a fallen tree that blocks a driveway or handicap entrance. Keep in mind that your insurance will probably not pay for replacing the tree.
Regardless of whose tree caused the damage, your policy will likely cover costs of repairing structures or buildings and their contents, depending on the policy’s provisions. After filing a claim, your insurance provider might issue a claim against another party they believe has any liability due to damage. Be sure to review your policy to see what you need to pay yourself.
Importance of Tree Upkeep
All trees—young and old—need regular maintenance and monitoring to ensure they stay sturdy and healthy. A responsible homeowner regularly walks around their property and visually inspects trees, shrubs, and other vegetation for dead branches, infestation, or susceptibility to severe storms. If you are unsure how safe your trees are, get in touch with a tree service company for advice. Also, review your homeowner’s insurance policy to know in advance what it covers. Also, get in touch with your insurance agent if you have any questions.
How A Tree Service Company in Cincinnati Can Help
Knowing a tree removal service near you can help you quickly respond when you need to remove a tree, whether it falls on your property or somewhere else. Before an accident occurs, it is wise to call an experienced arborist to inspect your trees and alert you to potential problems like disease, structural weaknesses, or other hazardous conditions.
