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Will Insurance Pay for Hazardous Tree Removal in Wilmington, DE?

By Stein Tree
Posted on June 3, 2021

We all love our trees. From branching maples and red oaks to colorful dogwoods, trees provide a myriad of benefits and improve the look and feel of a property. However, even the hardiest tree can fall victim to disease and old age, and what once was a beautiful addition to your property may now be a hazardous object. If you have a dead, dying, or dangerously placed tree, you may be wondering about tree removal in Wilmington, DE, and whether your homeowner’s insurance will pay for the service.

Insurance Guidelines for Tree Removal in Wilmington, DE

As Delaware and Pennsylvania residents and property owners prepare for summer storms, where vulnerable trees could fall, the worry about those trees may be in the forefront of their minds. In general, most homeowners insurance companies are unwilling to pay to have a dead or dying tree removed from a property unless the tree has already fallen and caused damage. Even then, they may only pay for part of the costs.

Why You Should Avoid Waiting

Homeowners should avoid waiting for nature to take its course with hazardous trees. Waiting for dangerous trees to fall on their own may save you some removal costs, but waiting is a dangerous game as a falling tree can seriously injure people and pets or cause massive, expensive damage to property that can take a long time to repair. Injuries due to a lack of tree maintenance are worrisome, as you are likely to become legally liable if a tree injures a neighbor or damages their property.

For example, if a homeowner has a tree with an overhanging branch that has been dead for years, but the homeowner has neglected to remove it despite complaints from neighbors, and that branch falls onto the neighbor’s property or injures them, the homeowner can be held liable.

These liabilities and legal disputes can cost people thousands of dollars, even tens of thousands of dollars depending on the damage, while the damage itself could have been prevented with proper tree care.

Insurance Guidelines for Tree Removal in Wilmington

Therefore, the best advice we offer Wilmington and surrounding Delaware residents is to have any suspicious-looking trees properly inspected by a certified arborist as soon as possible. Tree trimming and the removal of dangerous trees are considered by insurance policies to be a part of routine homeowner maintenance. In some cases, our team may be able to trim back or prune away parts of a diseased or overgrown tree to reduce the risk of harm to people or property. In cases where emergency tree removal in Wilmington, DE, is necessary, Stein Tree Service is available 24/7 and responds quickly.

Contact Stein Tree Service for Emergency Tree Removal in Wilmington, DE

Diseased and dying trees can have catastrophic impacts should they fall on your property. If you are unsure about the health and well-being of any tree on your property, contact us for an inspection by a certified arborist. Our team is skilled in various tree care services, from the mitigation of hazardous trees via bracing or pruning, to the complete removal of dead or dying plant life via tree removal and stump grinding. Our innovative TreeFall program could save you thousands in the event of a need for emergency tree removal.

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