Definition of Danger Trees in Insurance

Save
Broken or cracked branches present a danger in that they can fall during a wind storm.
Broken or cracked branches present a danger in that they can fall during a wind storm. (Image: tree image by isisdiamond from Fotolia.com)

A danger tree is a tree that poses a risk that can be avoided. Insurance companies consider trees to be dangerous if they are dead, diseased beyond recovery or present a clear and present danger to property. A tree is not considered to be a danger just because it is very large or evidences a spreading crown. For example, a healthy leaning tree is not considered dangerous, as the tree will develop larger growth rings opposite the leaning direction to compensate.

Trees With Invasive Roots

The term "danger trees" is ambiguous. It is difficult to define a tree that may cause harm to persons or property. All trees can present a danger if they break, fall or become uprooted during a weather event. Trees with invasive roots may be considered a danger if the root growth is encroaching on a permanent structure. Roots can crack retaining walls or home foundations. Ask your insurance agent to inspect the tree. He may request you take photos or send an inspector to evaluate the treat of present or future damage.

Overhanging Trees

Healthy trees that overhang your property are not considered dangerous unless branches are cracked or dead. If branches or the trunk show evidence of cracking, call a professional tree service company to remove the damaged section. Trimming can protect the health of the tree and remove the limbs that could break and fall on your property.

Fierce winds can cause a healthy tree to fall.
Fierce winds can cause a healthy tree to fall. (Image: Tree damages the fences. image by Greyt1 from Fotolia.com)

An Act Of God

Different states have different laws in place that govern the responsibility and obligations of a property owner who has a tree that falls on another person's home or causes damage to life or property. If the tree was dead or visibly damaged and the tree owner took no action to remove the tree, he may be liable for damages resulting from the tree falling. If, however, the tree was in obvious good health and then fell during a storm, the tree owner is unlikely to have to assume responsibility. The falling of a healthy tree that becomes uprooted or succumbs to a storm is considered an "Act of God."

Review Your Insurance Coverage

Different insurance companies have different definitions of what constitutes a danger tree. Read your policy carefully and review your coverage with your insurance agent. Ask your insurance agent for written instructions for you to follow in the event a tree on your property causes damage to your or your neighbor's home. In the event of a storm that causes tree damage, immediately report the event to your insurance agent. Take whatever action is possible to prevent additional damage to the property. Cover the damage with a tarp if possible and call a tree service to remove the fallen tree.

Related Searches

References

Promoted By Zergnet

Comments

You May Also Like

  • Tree Removal Insurance

    Trees and landscaping add value to a home and make use of the yard more pleasant, but they also come with financial...

  • How to Ask a City to Remove a Dangerous Tree

    Asking city officials to remove a dangerous tree requires immediate action to avoid injury to passers-by and eliminate the threat of possible...

  • Why Remove Tree Stumps?

    Fully grown, fully blooming trees can add a touch of decor, privacy and beauty to any piece of property. Tree stumps can...

  • Eucalyptus Dangers

    "Eucalyptus globulus" has a reputation among health practitioners for its ability to soothe and heal a range of respiratory conditions. It's also...

  • Does Homeowners Insurance Cover a Dead Tree on My Property?

    A dead tree can cause a hazard on your property or your neighbors' property. During storms, limbs can break off and fall,...

Related Searches

Check It Out

Are You Really Getting A Deal From Discount Stores?

M
Is DIY in your DNA? Become part of our maker community.
Submit Your Work!