Can Tree Removal Be Covered By Insurance? Explained

Trees in the home add aesthetics, beauty, and shade and ensure fresh air. However, larger trees with their long and thick limbs pose risks for properties too. Hence, as a homeowner, you should remove larger trees when it gets diseases or dead due to natural causes. Since the tree removal cost is significant, you may be interested if your insurance covers it.

Naturally, people look at whether tree removal can be covered by insurance. You may be keen to know how much coverage you will get in your property insurance policy for tree removal.

Can Tree Removal Be Covered By Insurance

Most home and property insurance policies cover the cost of tree removal under certain conditions. If the tree is hit by hail or an ice storm, you will likely get removal and disposal costs. But insurance won’t cover earthquakes and dead trees. Click here to get professional assistance.

Can Tree Removal Be Covered By Insurance?

Yes, most American home and property insurance will cover the cost of tree removal and disposal. You should consult your lawyer or insurance policy advisor to check if your insurance covers tree removal costs.

Nonetheless, these insurance policies have different criteria for coverage for the property, and tree removal isn’t an exception. For instance, no insurance will pay the cost of dead or diseased tree removal. They consider it has happened for the insurance owner’s negligence.

On the other hand, insurance policies will bear the cost for disposal services of trees after storms, lightning, and any other clauses that support the charge. So, you must be clear about your home and property insurance to know if your tree removal condition feet their criteria. Only then can you claim it.

When Insurance Covers Tree Removal?

Homeowners’ insurance policies generally cover tree removal expenses under specific conditions. It is when the damage is caused by one of their approved events. In insurance policy terms, it is considered “covered perils.”

Covered perils mainly refer to typically sudden and unexpected events that result in damage to your property. Some of these covered perils for tree removal include:


Strong winds can cause trees to fall or branches to break. If it leads to damage to the tree to such an extent that you must remove it, your insurance will cover it.

Hail Storms:

Hail can be detrimental to trees. In most cases, hail storms will cause the limbs to break or weaken their structure. So, you have no other option but to remove the weakened tree limb or the entire tree, and thankfully, your property insurance will bear the cost.

Under the Weight of Ice or Snow:

At times, there can be extreme snowfall in your region. At such moments, ice or heavy snow can accumulate over the tree. If the weight of the ice is too heavy, it might lead to branches breaking or the entire tree collapsing.

Luckily, your insurance coverage will have provision to pay for the removal cost of a tree damaged due to snowing.

Lightning and the Resulting Fire:

In rare cases, a tree might be struck by lightning and catch fire. Lightning and fire candamage the tree so significantly that you have to remove it for the safety of your property. The good thing is that insurance policies will cover the cost.

Other Covered Perils Listed in Your Policy:

Some policies have specific provisions for different events. It mostly includes:

  • Vehicle collisions
  • Vandalism
  • Accidental damage

If your property insurance covers these provisions for tree removal costs, you will likely get it. For details, you must consult with your insurance consultant.

When Insurance Won’t Cover Your Tree Removal Cost

As a homeowner, you must be absolutely clear about your insurance policies and coverages for tree removal. It’s crucial since there are conditions when insurance won’t cover your tree removal costs. So, your claim will be invalid in the following scenarios:

  • Flood:Standard homeowner insurance won’t cover the damage caused by flooding, including falling trees. So, you won’t receive any funds for it.
  • Earthquake: Similar to floods, earthquake damage is typically excluded from standard policies. In fact, all insurance policies exclude earthquakes from their coverage.
  • Rot or Neglected Tree:Is your tree clearly in a state of decay? Did you fail to maintain it properly? If so, the insurance might deny coverage for removing the tree.
  • Dead Tree: Insurance might not cover removing a tree that is already dead. It happens mainly if the tree died before you took the insurance policy. Also, if the tree dies naturally or due to negligence, insurance will deny its cost.

How Much Does Home Insurance Cover For Tree Removal?

Although, in certain conditions, you will get the cost for tree removal from your insurance provider, the charge isn’t fixed. It will depend on your insurance policy and its coverage condition.

The coverage for tree removal under insurance typically ranges from $500 to $1,000, with some policies offering higher limits. The coverage usually extends to:

  • The removal of the fallen tree or debris from your property
  • Any damage to your property structures for the fallen tree.

Since the coverage varies extensively, you must review your policy. It will help you understand the limits and deductibles associated with tree removal coverage. Always remember that if the tree simply falls in your yard without causing damage to any structures, the insurance might not cover the costs.

How to Proceed To Claim Tree Removal Insurance Cost

If you need to remove the tree and have insurance, you must proceed with care. Here’s what you should do to get the coverage perils:

  • First, you must take clear photos of the damage caused by the fallen tree. Also, take pictures of the fallen tree and its impact on your property.
  • Next, you must contact your insurance company as soon as possible. Then, report the incident to them and begin the claims process.
  • Also, you should obtain quotes from professional tree removal services for the cost. You can then submit it with documents for the claim process.
  • An insurance claims adjuster will likely assess the damage. He will determine the amount of coverage you’re eligible for.

Final Thoughts

Tree removal, stump grinding, and disposal are costlier than you think. They often can cost you between $500 to $2000. So, you should always claim tree removal and cleanup insurance to reduce your burden.

When you proceed correctly with the claim, you will likely get 25% to 75% of the tree removal cost. Therefore, you must feel free to claim insurance coverage whenever you need to remove the tree due to hailstorms, ice, windstorm, and lightning.