Is Tree Removal Covered by Homeowners Insurance?

If you live in Stockton, CA, you might find yourself wondering if tree removal costs are covered in your homeowner’s insurance. A city like Stockton with its unpredictable weather conditions from torrential rainfall to heavy storms and floods forces you to be always prepared which in many ways is a good thing. Here are a few of the most common questions asked in terms of insurance coverage and tree services in Stockton, CA. Tree Removal and Homeowners Insurance helps homeowners save money.

Tree Removal Service Stockton CA
Tree Removal Service in Stockton CA

Unpredictability of Weather in Stockton

The number of storms occurring every year now in Stockton, CA is almost double of what it was about a century ago, which is a very worrying thought. If you are living here, then you probably have a tree or two in your yard or are surrounded by them. Whether it is a Heritage Oak tree or a White Alder, the damage caused by downed trees can be devastating if you don’t have an insurance policy.

  • Will My Homeowner’s Insurance Pay for Tree Removal Costs?

If a healthy tree falls on your property during a storm and causes damage, then your insurance will cover the cost of tree removal and any damage caused to your property by the tree. The main terms are ‘healthy’ and ‘damage’. If the tree was in deteriorating condition or if the downed tree didn’t cause any actual damage, then the cost of tree removal will be on you.

  • What Happens After You Go to Your Insurance Provider for Help?

Insurance companies have a list of preferred vendors when it comes to emergency tree removal services. You can call anyone to get a free estimate of the costs of tree removal. In some cases, the insurance company will assign a general contractor who will take care of everything including calling a tree service in Stockton, CA.

  • Can You Choose Your Tree Service in Stockton?

In most cases, the responsibility of finding a tree cutting service falls upon the homeowner. The service that responds the fastest and can finish it fast is often given the task in the end.

  • What If the Tree Falls on My Roof?

In cases where trees fall on a house, then the required repair work is done within a few hours of the accident. It might take time if it happens in the middle of the night as emergency tree services are safer for all involved when done during the day. Fixing parts of your house such as your roof will be done by a different contractor though.

  • Will my insurance Cover Damage from Wind?

In general, the standard homeowner’s insurance policy covers any damage incurred from downed trees due to heavy winds.

  • How Much Will My Insurance Cover for Tree Removal?

This may differ from one insurance plan to another but in general, costs that range from $500 to $1000 will be taken care of by the insurance company.

Tree removal is a very complicated task that has to be done with great precision and heavy-duty equipment. There are plenty of professional tree trimming services in Stockton CA but Bloom Tree Trimming Service is one that provides exceptional services at very affordable rates.

Continue reading about “What to Do When a Branch Breaks Off a Tree?