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Is tree trimming covered by your homeowner’s insurance?

Tree removal crew using crane and wood chipper on Parkway. Tree care services in action. Roadside tree maintenance.

Home tree trimming is an important part of overall tree health. Trees are typically trimmed not only for their health, but also for aesthetics and safety reasons. Regarding aesthetics, trimming a tree regularly helps them keep a nice appearance and maintains their shape. It’s important to know how to trim the tree, because in some cases if you try to change the shape or size of the tree, you can damage it. For the health of the tree, home tree trimming is important, especially if you notice any branches rubbing or crossing together because that can cause them to break and fall. The airflow of the tree can improve if you trim or thin the crown of the tree.

One of the most important reasons for home tree trimming? Safety. If you have broken or dead branches, they can unexpectedly fall at any time, causing damage to any vehicles in your driveway or your home. In many cases, they grow to close to utility lines as well. Generally, you can contact the utility company and they should take care of the tree trimming.

Some homeowners wonder if a home insurance policy covers tree trimming. Typically, homeowner insurance will not cover home tree trimming or other costs that come up when taking care of trees. This includes pruning the tree as well. They usually do provide protection for any damage or losses that occur to the house or property within the home. You need to check your policy because it will include what is covered for various occurrences. Some insurance companies do provide benefits if you must repair or replace your tree if it’s damaged in a storm.  

Even though most home insurance policies do cover trees and any damage they may cause, they usually have some exclusions. An example would be if a policyholder is found to be negligent in maintaining their trees. If they cause damage, the homeowner is not eligible to receive compensation because they are looked at as the cause of the loss – they failed to maintain their trees properly.  Homeowners and individuals, under most insurance policies, are required to trim or cut any branches from trees that are overhanging and near or touching your home. In some instances, homeowners may need emergency tree trimming services after occurrences such as storms, tornadoes, or hurricanes. It’s important to note that tree trimming companies will charge extra fees for these types of emergency services.

Let’s look at the cases where there isn’t a bad storm. Let’s say a tree dies and nothing is done, and it’s left to rot. In time, it will eventually fall over, especially if it’s left standing in that condition for a few years. If it happens to fall on your home, or the car in your driveway, the damage will not be covered because the insurance company will say you were negligent because you had plenty of time to fix it or remove it yourself.  

If you have any dead, rotting, or damaged trees, Homer Tree Care, Inc. provides comprehensive tree services and plant health care for residential, commercial, municipal, and institutional clients throughout the Midwest. Started by Joseph Reposh in 1935, incorporated in 1985, this family-owned business has experienced tremendous growth and now has over 200 employees, three operating divisions, the industry’s largest fleet of finely maintained state of the art equipment, and a reputation of getting the job done safely, efficiently, and cost-effectively.

With a full staff of Certified Arborists and skilled tree care professionals, we understand the importance of using proper techniques for the care of your trees. Let Homer Tree Care, Inc. enhance the value, aesthetics, and comfort of your home, office, or natural areas through proper tree care in a timely, safe, professional manner. You can be assured that our team of Certified Arborists is trained to solve all YOUR tree care, including tree trimming, needs!

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larry R.
4 weeks ago
Homer Tree came out and took down ten- 100+ ft tall Red Oaks lost to Oak Wilt and then took all the stumps out. They were very professional and skilled. Despite our greenhouse under the trees they did zero damage to anything with all of their large trucks and high work dropping massive logs. The price was amazing and they beat 4 other companies and even solo jobbers by thousands. I recommend them highly.
Lois B.
2 months ago
We had considerable storm damage from the June 6th storm. We lost 4 trees plus damage to many others. Not only did Homer Companies give us a great price to remove all the damaged trees and grind the stumps, the work was performed quickly and thoroughly. The Homer "team" was very easy to work with and went beyond expectations to address all of our concerns.
Jerry Hall J.
2 months ago
Fantastic customer service. Unbelievably fast response. Very efficient, thoughtful, courteous, and meticulous service. I'm so very impressed with this company!
Tom P.
2 months ago
We have used Homer for many years. They took fantastic care of the recent storm damage very quickly. They are the best and most professional we have ever used!
Melissa S.
2 months ago
Homer Tree Removal did an excellent job of removing a fallen tree at my parent's house. Thank you for the expert service and the quick response.
D A.
3 months ago
Very happy!! The crew that came did a awesome job!! The Arborist Kayli was key in providing the best care for my tree. Thank you!
Casi M.
3 months ago
Super easy, pull in, pay, they load it up
Jan L.
4 months ago
I could not be more grateful for the kindness shown to my husband and me from Homer Industries. I had questions regarding mulch for our home and got quick answers which we so appreciate. Todd was just amazing at staying in contact and Jessica helped us finishing up and finalizing things. Having been in customer service myself for decades, it's so refreshing to see how caring they both were and we will be forever grateful and loyal.
Zachariah S.
4 months ago
Best in the business at what they do.
Taylor E.
4 months ago
Homer Tree has taken care of my trees multiple times and the job they do is beyond outstanding. They have turned my overgrown backyard into a liveable space, and have removed bushes and trees that were not necessary/dangerous to my dogs. They work fast and effectively and I absolutely recommend reaching out to them for any tree needs!

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