We have a tree in the backyard causing allergy problems for us, is its removal covered by our home insurance policy?

Allergies that are caused by a tree in your yard can be a problem that lasts for years if you do not remove the plant. The problem is that the removal of a tree can exceed your budget and the funds that you have available for the project. Depending on your homeowners insurance policy, it may be possible to make a claim so that you can remove the plant.

Tree Removal

When you work with an independent agency to compare quotes for your property online, you have the opportunity to select the coverage that you want. Insurers often offer a variety of different plans and solutions that can help ensure your home is safe, but the details of every insurance policy can vary.

Tree removal due to an allergy may or may not be covered in your current plan. Some insurers may offer funds to remove trees from your yard in certain situations, but the situations that are allowed under your policy may vary.

Evaluate Your Plan

Before you make a claim, evaluate your current plan to determine if you have coverage for the removal of a tree. If you do have coverage, then look for any exceptions or clauses that may limit the times when you can make a claim.

In general, insurers will allow you to remove the plant if it is causing danger to your home, property or the property of a neighbor. It may also be possible to remove the plant if it is causing severe allergies that are dangerous to your health or the health of other individuals in the house. There may be exceptions or limitations on the coverage that is available, so it is important to read your policy thoroughly before you make a claim.

Insurance for your home is designed to protect your property, but you may also have solutions if your health is being impacted by plants in the yard. Contact us to talk to an agent for more information about the coverage options that are available for your property.

Home Insurance In Short

  • Home Insurance In ShortIf a tree falls – A standard home insurance policy covers damages to you, if a tree falls on your house. In addition, the policy would cover for the removal of the tree up to the policy limits they have. However, if a tree by chance falls on your property and doesn’t hit any structures or a vehicle, the home insurance policy would not cover the cost for tree removal. The cost of replacing trees or shrubs is generally covered if the loss is due to vandalism, theft and fire but not wind.
  • The family Picasso – If you collect art, antiques or other valuables, be sure your agent knows. Keep documentation of the worth of these items in a safe place. Understand the limits and exclusions of your policy and any endorsements. If you have particularly valuable items or ones where the value might be disputed, you might want to hire a reputable appraiser.
  • An act of nature – Sometimes the term, act of god is used to refer to a natural disaster such as a tornado. Most home insurance policies cover losses caused by natural occurrences, excluding earthquakes and floods.
  • Not covered – Typical exclusions of a home insurance policy are earth movement (without an earth-quake endorsement); damage caused by a sinkhole or groundwater; rot, decay, cracking or settling; defects in materials or workmanship; damage caused by vermin, insects, rodents, domestic or wild animals, or general wear and tear.
  • Mold exclusions – Many home insurance companies have added mold exclusions or limitations to policies. Insurance, by its nature, is for sudden and accidental events; mold is neither. While mold is not a large issue in Colorado as in some other states. The Colorado Department of Insurance does not have the authority to mandate such coverage but does require home insurance companies to provide very clear notice to its insureds of any exclusions or limitations.