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Does home insurance cover dead tree removal?
My wife brought to my attention a dead tree that’s likely to eventually fall across our driveway. I can see we need to remove it, but now I’m wondering if our home insurance covers dead tree removal? I’m preventing a worst-case scenario, after all.
Rachel Rigolino · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Removing a dead tree is good preventative maintenance. Unfortunately,
home insurance
won’t cover the removal of a dead tree, either before or after it falls. This is because home maintenance issues—such as dead tree removal—are considered the responsibility of the homeowner.Let’s look at these instances:
- As noted above, your insurance policy will not cover the cost of cutting down and removing a dead tree before it’s fallen.
- If a rotted tree falls onto your driveway (and doesn’t hit anything), your insurance won’t pay to clean it up. Again, the insurance company would argue you should have taken it down before it fell.
- If a storm brings down a rotted tree onto your house or garage and causes damage, you may be able to file a repair claim. However, your insurer may decide you could have prevented the damage by taking out the rotted tree yourself and they may deny the claim.
Think of removing a dead tree like you do clearing out brush or patching your driveway. It’s an aspect of keeping up your property’s appearance and also preventing future problems.
Have questions about home insurance, dead trees, and property maintenance? You can rely on
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- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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