Can an Insurance Co be expected to income to remove a branch from my tree that threatens my house if it falls?
We are dealing with household insurance.
An arborist's report says the branch is a threat.
The branch's integrity be damaged by a lower branch falling off surrounded by a recent storm and damaging the trunk of the tree.
No. You are responsible for the upkeep of your property, not the insurance company. I certainly wish it would be covered. I own some very large pine trees subsequent to my house. They are getting older, and will cost a fortune to remove. Should the tree damage your home, afterwards you should be covered if you have the appropriate coverage.
The insurance company does not foot to prevent losses. That is your job as a property owner.
Removing the dead tree or member is a maintenance issue. Insurance policies do not pay to aver your property. That's your responsibility.
If the tree limb falls damaging your home - next the policy will pay to remove that limb (the one that fell on the home) and repair the bring down - not cut the whole tree down.
You will need to wages to have the damaged tree taken down.
No, and they won't cover any damage if the tree isn't in good health when if falls.
No, the homeowner is expected to perform any preventative conservation on their property. Insurance covers certain unforseen or unexpected events that grounds damage to the house.
Answers: No, that's called "maintenance". You're responsible for maintain your own property.
However, if you now know that there is a threat, and you the property owner don't do anything to fix it, after it's not an unexpected loss any more, is it. So the insurance company can deny the claim.
And if you don't take it down promptly, they can reverse your policy, for an increase in hazard.
Very doubtful. They'll only settle after the branch falls and does damage to your house.
No.
Try it and see; it may be down to the type of cover that you have.
Yes they normally can. In the storms concluding year a tree in my front garden was destabilized an lent slightly backwards towards my house.
The insurance company paid for the tree to be cut down.