You need to be a responsible tree owner
In most cases, your homeowner’s insurance will cover the costs of removing fallen trees or repairing damage to your home after a storm, but you don’t really want it to go that far. It is much better to prevent the problem in the first place, rather than dealing with the cost and inconvenience of expensive and time-consuming home repairs.
The city is responsible for their trees but if a city-owned tree falls on your property you will not automatically be compensated. If you make a claim, an investigation will first take place to assess the health of the tree and its maintenance history. With this in mind, you should always notify the city official of any city trees bordering your property that are rotting or pose a danger to you or your home. If your neighbour’s dead or damaged tree falls on your home, they are responsible for the damage but the same is true if your tree falls on their property. However, when a healthy tree falls on your home during a storm, your home insurance is liable to cover the damage, not your neighbour’s insurance or the city.
When you weigh up the costs of your insurance, the cost of the repairs, incidental costs and the inconvenience of moving out of your home, you will look at the cost of tree removal in a whole new light.
When is tree removal necessary?
Reasons for removing an old tree:
- Large, dead branches that are a threat to your personal safety or property.
- Severely damaged in a storm.
- Dying of disease, internal decay or infestation and cannot be saved.
- Roots have spread under the foundations of your home and pose a risk to the structural integrity of your property.
- The tree is leaning at a precarious angle and could fall on your house.
- Outgrown the yard.
- Infected by emerald ash borer.