Leaning trees in Cloquet pose a serious risk to homeowners. Many are just one severe storm or lightning strike away from collapsing onto a home. Falling trees can damage vehicles, destroy structures, and even cause injury or death. Unfortunately, insurance coverage for tree removal depends on several factors.

Why Typical Home Insurance May Not Cover Removal

Most homeowners’ insurance policies will not pay to remove trees that are leaning, dead, or considered hazardous. Insurers usually classify these trees as a maintenance issue, which makes removal the homeowner’s responsibility.

If a tree that was already leaning, dead, or diseased falls, your insurer may determine that the loss resulted from a lack of maintenance. In that case, they may deny the claim entirely, even if the fall happened during a covered weather event.

When Removal May Be Covered

There are situations in which insurance may help cover the cost of tree removal. If a healthy tree falls because of a covered peril and shows no signs of neglect, your provider may cover all or part of the cost. Covered perils typically include storms, wind, lightning, and similar events.

Coverage varies by company. Some insurers only cover removal if the fallen tree damages a structure, blocks access to the home, or obstructs a handicap ramp. Others may provide coverage as long as the fall resulted from a covered peril, even if there is no structural damage.

The best way to know what your policy covers is to talk with an agent at Brittany Olson Insurance Agency LLC. Our team can explain your coverage, review your situation, and help you understand the next steps.

We’re Here to Help

At Brittany Olson Insurance Agency LLC, our experienced representatives understand the complexities of tree removal coverage. We take the time to listen and offer guidance based on your specific needs. Contact us today to learn more. We proudly serve the Cloquet, MN area.