Tree Work and Homeowners Insurance: What You Need to Know

TLDR:

Homeowners insurance can be tricky when it comes to tree work. Some damage is covered, some isn't, and it all depends on the situation and the policy. This blog explains what’s typically covered, what documentation you may need, and why hiring a licensed and insured company like Conrad Tree Service in Ocala makes the claims process smoother and safer for everyone involved.

When Disaster Strikes: Will Insurance Cover Your Tree Trouble?

A storm just rolled through Ocala. You walk outside and find a massive oak limb lying across your roof. Panic sets in. What happens now? Will your insurance cover this? Do you need to call an arborist? Who pays for removal? These are the questions that swirl during one of the most stressful moments a homeowner can face. Luckily, understanding how tree damage and removal intersect with your homeowners insurance and knowing who to call can make a major difference in what happens next.

What Homeowners Insurance Usually Covers (and What It Doesn’t)

Let’s start with the basics. In general, most standard homeowners insurance policies will cover tree damage if the tree falls due to a covered peril like wind, hail, or lightning and causes damage to your home or other structures like a garage or fence. Here's a breakdown of common scenarios:

Covered Situations:

• A healthy tree falls on your home during a storm

• A neighbor’s tree damages your property

• Removal of the tree if it’s blocking a driveway or entrance

Not Covered:

• A dead or diseased tree falls (neglect is not a covered peril)

• Tree removal without property damage

• Preventive tree work or pruning

Insurance adjusters are often looking for signs of neglect. If the tree was rotting and hadn’t been maintained, they may deny the claim altogether.

Documentation Matters: What You Need When Filing a Tree-Related Insurance Claim

If a tree does fall and causes damage, proper documentation is your best friend. Here’s what insurance companies typically want to see:

1. Photos of the Damage

Before you start cleanup, take clear pictures of the fallen tree, the surrounding area, and any damage to your property.

2. Before Photos (if available)

These show the tree’s condition prior to the incident. If you’ve had regular tree service from Conrad Tree Service, ask us for records!

3. Estimates from a Licensed Tree Service

A written estimate for emergency tree removal and clean-up will support your claim and show you took quick, responsible action.

4. Maintenance Records

Proof that the tree was healthy and regularly cared for may protect you from a negligence denial.

Why You Should Always Hire a Licensed and Insured Tree Company

In moments of crisis, some homeowners are tempted to go with the cheapest quote especially if they’re paying out of pocket while the claim is processed. But beware: hiring an unlicensed or uninsured company can void your insurance coverage altogether.

Conrad Tree Service is fully licensed and insured, which not only protects our crew it protects you, too. When you work with us:

• We provide written documentation for your insurance

• Our team is trained to handle emergency tree removal safely

• We help reduce liability risks

• We can guide you through the claims process

Insurers are much more likely to approve claims that involve certified arborists and professionally documented work.

Frequently Asked Question:

Does homeowners insurance cover tree removal even if no damage occurred?

Answer: Not usually. Most insurance policies won’t cover tree removal unless the tree has caused damage to an insured structure or is blocking access (like a driveway). Preventive tree removal is typically the homeowner’s responsibility.

Homeowner Tip: Don’t Wait Until It Falls

Here’s a question for you: Would your homeowners insurance pay out if one of your trees came down today? If you’re not sure, it’s time to schedule a consultation with a certified arborist. Having your trees professionally inspected and trimmed by a company like Conrad Tree Service may not only prevent disaster it could also help your insurance claim if the worst happens.

5 Signs You Should Call a Tree Pro Before It’s Too Late

1. Visible decay or fungi at the base of the trunk

2. Cracks or splits in large branches

3. Tree is leaning significantly

4. Large, dead limbs near the canopy

5. You haven’t had a professional inspection in over a year

   
   

Being proactive about tree care can mean the difference between a claim getting approvedor being denied for “negligence.”

Local Experts You Can Trust

Conrad Tree Service has served Ocala and Marion County since 1971. Our certified arborists are familiar with local species, insurance documentation requirements, and the Florida-specific challenges homeowners face.

We’re here for more than just emergency cleanup we’re here to help you prevent tree disasters before they happen.

Whether you need a storm response team or just a peace-of-mind property evaluation, Conrad Tree Service has your back.

Call to Action:

Don’t wait until you’re staring at a tree on your roof. For professional, insured tree services that simplify your insurance process and protect your property, call Conrad Tree Service today at 1(352) 867-1123 or visit us online at www.conradtree.com to schedule a consultation.

Sources:

• Insurance Information Institute – Trees and Insurance

• Florida Department of Financial Services – Homeowners Insurance Guide

• State Farm – Does Homeowners Insurance Cover Tree Removal?