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Understanding Insurance Benefits and Tree Removal

Understanding Insurance Benefits and Tree Removal

Trees are as beautiful and great fixtures on a property as they are risks to the same property.…

Sep 05,2019

Trees are as beautiful and great fixtures on a property as they are risks to the same property. All it takes is one lightning strike or a strong gust of wind during a storm to bring that otherwise sturdy tree coming down with all of its tons of weight, damaging or crushing vehicles, structures, and, God forbid, pedestrians in the way. So, who is responsible for the damage? If you have a solid home insurance policy, then chances are that you are covered for most damages but there are circumstances in which you might not be so lucky. At Sesmas Tree Service, we have had some experience with tree removal and insurance benefits, and we would like to share some of what we have learned.

Understanding Insurance Benefits and Tree Removal

Tree Fell on My House! Am I Covered?

Home insurance policies differ from one company and policy to another. While we cannot give you a straight-forward answer, we can discuss the general cases. For specific answers about your coverage, we recommend referring to your insurance policy.

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Usually, damage by a fallen tree to your covered structures such as your home, garage, fencing, or storage is covered by your home insurance policy. However, there are some circumstances in which a representative might deny your claim. For instance, if the tree was not properly maintained and if it fell over due to disease, damage, and other preventable situations, then you may be found liable for the damages. This is why it is so important that you stay on top of your tree maintenance by having a healthy relationship with a tree service provider like Sesmas Tree Service.

Tree Fell but There Is No Property Damage

Home insurance policies generally cover structures such as your house, fence, and garage while auto insurance policies cover your vehicle. If a tree falls on your property but does not damage any of the covered structures, then you are both lucky and unlucky. Luckily, your property was not damaged. Unfortunately, however, your insurance provider will probably not cover the tree removal costs. There may be exceptions if the fallen tree ends up blocking the driveway or the road, but you should refer to your insurance policy for specific details.

When you need urgent tree removal, you can rely on the professionals at Sesmas Tree Service. We are proud to be a local option with certified arborists and state-of-the-art technology and equipment to make it a hassle-free process for you.

Customer Reviews

3 large Leyland Cypress trees removed near front of our home. Excellent service, professional crew, very competitive pricing for superior work! Rolando provided the initial estimate and the  follow up and was the best in terms of customer relations. I'd both use this company again AND highly recommend them.

Susan Hitchcock

This is the 2nd time we have used Sesmas Tree Service. They are a wonderful company to deal with. They were on time, professional, and very thorough. They cleaned up prior to leaving and went out of their way to protect our plants and landscaping. And they kept to their proposal with no hidden cost or add ons. Definitely a five star experience!

Gene McFadden

Wow!  I deal with tree services in my professional work and I can honestly say Sesmas is by far the most professional, best equipped, efficient, safety conscious, and communicative service I've ever encountered.  Their price was very reasonable and they even went so far as to include additional work without increasing the price.  Call them!  Now! They are very quick to respond.

Scott McLendon

We've used Sesmas several times and have always received excellent service.  Estimates are quick and easy and the crew is efficient and leaves the property clean of debris.  Recently we needed a tree removed next to a heavily landscaped area.  Sebastian went over everything with me in detail and listened to my concerns.  The crew did an excellent job in removing the tree with minimal disturbance to the surrounding area.  We are pleased and will consider them again in the future for pruning and tree removal.

Tonia Griswold

Sesmas Tree Service was amazing! I had two dead trees cut and a lot of trees that were already down on my property removed. Sebastian came out and sent the quote in writing within 24 hours. We were in the process of scheduling the service when a slot opened up sooner snd I was able to go ahead and get the work done. Everything was explained ahead of time for what to expect. The crew was very efficient and professional.  All of the work and cleanup was done in one day. I would recommend Sesmas for your tree cutting/cleanup needs.

LaDora Woods

I hired Sesmas to cut down a very tricky tree that was hanging over my house as well as a few large limbs. They did a great job and had the machinery to get the job done right.

Perry Hartman

Great experience with Sesmas. They were meticulous with my tree removal, safe and efficient. David’s communication throughout the process was much appreciated. Highly recommend!

Lindsay Ellenburg

Great experience with Sesmas Tree Service. The arborist who came out was a Board Certified Master Arborist, and you could immediately tell he knew his stuff. He took the time to explain what needed to be done, gave us clear options, and helped us feel confident from start to finish. The whole process was easy and professional. We’ll definitely use them again.

Ed Martin

Protect Yourself from Liability for Home Damages

As mentioned earlier, damage to your house, fence, and garage due to a diseased or dying tree falling over on them can end up being your liability. This means you will have to pay out of pocket to have the tree removed and the house repaired. Why put yourself at such a risk? Call Sesmas Tree Service today to have a certified arborist inspect your trees to ensure that they are strong and healthy. If not, we can treat your tree and make sure they are up to standards. This way, your home insurance company cannot deny your claim due to preventable circumstances.

 

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