Homeowners and landscapers use trees to create shade, add to the aesthetic value of their property, and even provide privacy. But when a tree near a property line needs to come down, who is responsible for the tree?

New Jersey law states that the owner of the tree is determined where the tree trunk sits, even if the branches extend over the property line onto another property. The adjoining property owner is permitted to trim the tree that extends over the property line.

If the tree is trunk is on your property, it is your responsibility to have the tree removed if it is dying or creating a danger. The tree should be removed if it is near buildings, cars (driveways), power lines, sheds and swimming pools.

Is tree removal or a fallen tree covered under homeowners’ insurance?

To start, all insurance policies are different so it is best to call your insurance agent or read the language to see if the insurance company will pay for removing a standing tree, a fallen tree, and things like deductible costs.

If a tree falls due to a named peril on your policy, and there is damage to structures on the property, the insurance should cover:

  1. The removal of the tree
  2. The cleanup of the debris
  3. Fixing or replacing the damaged structure

‘Named peril’ commonly includes a sudden and severe event:

  • Windstorms
  • Hurricanes
  • Rainstorms
  • Snowstorms
  • Lightning strikes (Thunderstorms)
  • Hail
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What trees are NOT COVERED in my insurance?

Trees that have a pre-existing condition and are rotted or diseased that fall on your property are typically not covered.

The insurance company wants you to be a good property owner and inspect your trees and remove them before a storm may hit. Same goes for the neighbors’ trees.

Also, some insurance policies cover root damage and other policies do not. It is best to call your insurance company first and a professional tree removal service second.

Safety Tip – Do Not Attempt to Remove a Large Tree Yourself

Anytime you gather up a tall ladder and a chainsaw, it is a recipe for disaster. You are putting yourself in danger along with any structures that are nearby. Falling trees are large and the direction they will fall is unpredictable.

The safest way to remove a tree from your property is to call a professional who has the right tools and equipment to climb and fell a tree. Along with cleanup and removal of all the branches and limbs. Also call a professional tree service to get the stump removed, which takes professional equipment.

About Kristian Tree Service

Kristian Tree Service provides professional tree removal, tree trimming and stump grinding services in the Monmouth County Area for over 10 years. Family owned and operated, Kristian Tree Service has the manpower, equipment, and training to get the job done quickly and affordably.

Fully licensed and insured we can safely remove your trees which have been damaged from storms, high winds, insects, or other conditions. Call 732.955.1200 for your free estimate.

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