Home insurance can protect you from various damages, including fire and wind damage, but it works differently when it comes to tree removal. Here’s what homeowners need to know about how their insurance coverage applies to tree removal.

Understanding Preventative Maintenance

Many homeowners in Parkersburg, WV, consider removing a tree because it poses a liability. For instance, it may be dead or leaning dangerously, which increases the risk of it falling onto their house during a storm. However, home insurance typically doesn’t cover preventative maintenance. Maintenance tasks, including tree removal, are considered the homeowner’s responsibility.

Coverage for Fallen Trees During Covered Perils

Some insurance policies will cover the removal of a tree that falls due to a covered peril. For example, if a tree falls during a tornado, your insurance may help cover the cost of removing the fallen tree and repairing any structures it damages. Speak with an agent at Curtis Miller Insurance to learn more about what your policy covers.

Specific Exclusions to Be Aware Of

Every insurance policy includes exclusions, and it’s important to understand them. For instance, many policies don’t cover earth movement. If the ground shifts during a flood and causes a tree to fall, cleanup costs are typically not covered.

Additionally, insurance claims may be denied if homeowners were aware of a tree’s liability and failed to inform their insurance company. It’s crucial to notify your insurer about potential risks, even if it may lead to an increase in premiums.

At Curtis Miller Insurance, our experienced agents are here to help you understand your coverage and provide assistance when possible. Contact us today to learn more about home insurance and tree removal. We proudly serve the Parkersburg, WV, area.