Somewhere in your Homeowners Policy is an important coverage called Debris Removal. The coverage I am speaking of is for removal of trees which have fallen onto the premise without hitting the home.
On all Homeowners policies there is a special sub limit of coverage that you need to be aware of.
In reviewing some of my insurance carriers, I have found that most will provide coverage up to a least $500.00. One carrier will increase this limit to $1,000 with the Homeowners Plus endorsement. Again, we are talking about a tree that just falls in the yard from windstorm or from an ice storm.
Some of my carriers, if you choose for example their Premier Homeowners policy will provide $5,000 per tree or $10,000 for more than one tree to remove from your yard. I have another company which will write up to $2,500 for debris removal, but the home must have a value of at least $750,000 on the dwelling.
After the last tornado that hit White Lake Michigan on July 24th, 2021, I have found that these limits may not be adequate. Again, we are talking about trees that did not hit the home but are strewn around the yard and must be removed. And of course, the tree trimmers are going to base the rate on demand and supply.
My recommendation is to ask about your debris removal coverage for trees, especially if you do have some large trees on your residence. Also, do make sure you know a good local tree trimmer, and be sure you have that number handy in the event of a storm like the one we had on July 24th, 2021.
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