Having a tree in your garden or close to your house can really spruce up the appearance of your home. As beautiful as they are, trees also pose a potential hazard and have to be properly maintained, because in New England trees are often the victims of harsh weather, such as severe rain, snow and ice storms.
The damage caused by fallen trees is typically covered under homeowners’ insurance, whether they fall on your property or your neighbor’s, but there are some factors to consider. Dead trees are considered a potential liability and should be removed before they fall, something that most insurance companies see as the homeowner’s responsibility. Not removing a dead tree could be considered negligence.
Although insurance companies will typically cover the damage caused by fallen live trees, it’s up to the homeowner to arrange the removal of the tree or any leftover debris. In some extenuating circumstances, your town may remove the tree if it hinders or damages public property such as roadways or power lines, or poses access constraints. When a tree falls, there are other losses to consider, such as replacing the tree and the cost of the deductible for repairs to the home.