Investing in homes with large trees

5 Replies

Wouldn’t worry too much. Insurance will cover it although it is still a headache. If you are really worried you can have someone come out and inspect the trees and if deemed unsafe have them removed.

1. Where the trees are in relationship to the sewer/septic lines. Roots can destroy field lines and main sewer taps.

2. Proximity to neighboring properties where they could cause damage to someone else's property.

3. Whether or not they are diseased and need to be remove.

4. Clogging of gutters, damage to roofs.

5. Maintenance issues - leaves, nuts/acorns, falling sticks (some trees shed more than others), etc.

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As far as trees go and insurance.

If a tree falls on your home the damage would be covered unless the cause of the tree falling was not a covered cause of loss.  Don't really see that often but an example would be an earthquake /flood which is not included in a "normal" insurance coverage scenario.

If a tree falls from the neighbors property it is your insurance that pays not theirs.

As far as roots and service lines to property a lot of companies now have a separate service line coverage specifically for instances like this.

You also would want to check our insurance policy as far as actual tree coverage.  If the tree falls on the ground and not the home, in general, land is not covered.  Most policies have some coverage for trees.  tree work is expensive though so you should cehck limits.

Hope that helped.

What I’ve seen when an Insurance company does an inspection is that they come back with recommendations if:

1.  There are branches that overhang the house

2. If the tree or branches are too close (usually within 5 feet)

Hi @Quentin Lester , you might want to try reading the articles in this site about your concern; https://www.google.com/amp/s/w...

Hoping it will answer your question.