Does Homeowners Insurance Cover Diseased Tree Removal?

Posted on February 13, 2023


Hayden Haskins | author

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ICHQ | Site Author

For the average homeowner, trees are an important part of the home’s landscape and can add value to the property. Unfortunately, trees can also become diseased by pests, poor soil, and the ravages of weather. In some cases, they may need to be removed as a safety precaution. So, does homeowners insurance cover diseased tree removal?

Homeowner’s insurance covers a variety of risks and hazards, but it does not always cover tree removal. The insurance provider may cover the cost of removing a diseased tree, but this is not always the case. It is important to understand what your policy covers and what kind of tree removal is eligible for coverage.

If your tree removal should be covered, but the homeowners insurance company refuses to pay for a fair claim, contact the homeowners insurance lawyers at Insurance Claim HQ.

What Types of Tree Removal are Covered?

Homeowner’s insurance policies may cover the cost of removing a tree that has already fallen onto your property. This is known as “reactive” tree removal, and it is sometimes covered by most insurance policies. 

However, homeowners insurance may not cover the cost of removing a tree that has not yet fallen, but is diseased and likely to fall soon. This “preventative” tree removal is not typically covered by insurance policies.

What to Do if You Have a Diseased Tree

If you have a diseased tree on your property, it is important to have it evaluated by a certified arborist to determine if it needs to be removed. If the tree is a safety risk to your home, it may be worth the cost to have it removed as a precaution.

Homeowner’s insurance companies typically will not pay for maintenance that you should be doing to your property, which includes dealing with diseased trees. Before the sick tree can cause property damage, you should consider removing it proactively rather than hoping that your homeowner’s insurance policy covers fallen tree removal.

Get Legal Help with Homeowners Insurance

If you are considering filing a homeowner’s insurance claim for diseased tree removal, it is important to understand the details of your policy and the legal process. An experienced lawyer can help you navigate the insurance claims process.

Contact us at Insurance Claim HQ today to schedule a free consultation. Our experienced staff can help you understand your policy and the coverage you are owed.

FAQs About Homeowners Insurance

Does homeowners insurance cover diseased tree removal?

Homeowners insurance typically covers reactive tree removal, but it may not cover the cost of preventative tree removal.

Can you fix a diseased tree? 

A professional may be able to advise you about fungicide treatments to control a disease affecting a tree. However, your homeowners insurance won’t cover the treatment.