Tree removal in Amarillo, TX can cost thousands. The high price usually leaves homeowners wondering if their home insurance policy can help cover a portion of the cost. The answer is: it depends. 

Was The Tree Dead Or Leaning?

Policies may cover tree removal if the tree lands on a garage or other covered structure due to a covered peril, such as high winds. However, if the tree was already dead or leaning, its fall may be due to negligence, in which case the provider won’t help cover the cost. An agent at West Texas Insurance Agency can help you learn more about how this works. 

Where The Tree Lands Matters

A policy may cover the cost of removing a healthy tree that fell over due to a covered peril, such as a lightning strike. It may depend on where it lands, though. Some policies only provide coverage if the fallen tree lands on a covered structure or blocks a walkway. That means you may be stuck paying someone else to 

Trees That Need To Come Down

If a tree is dead or dangerously leaning, it’s important that it comes down before hazardous weather knocks it over, damaging property or injuring your family. Most policies will not cover this. It’s considered preventative maintenance, which is the homeowner’s responsibility. Unfortunately, failure to perform preventive maintenance, such as cutting down a leaning tree, can result in claim denials if the tree falls over. 

Every situation is unique, and agents here at West Texas Insurance Agency understand that. We will listen to your situation and let you know if we can help. Contact us today to learn more about how coverage works regarding tree removal. We’re currently serving the Amarillo, TX area.