Overhanging Trees: Why Insurance Companies Are Canceling Homeowners Policies And What You Can Do About It

If you have trees near your home, especially ones with branches overhanging your roof, you might soon receive a letter from your insurance company—or even your local township—demanding that you trim them back or remove them entirely. This growing trend is part of a broader effort by insurers to limit their risk and avoid costly payouts for storm-related damage.

Why Are Insurance Companies Targeting Trees With Overhanging Limbs?

Insurance companies have always assessed risks to homes, but now they are paying closer attention to trees. Here’s why:

• Increased Claims from Storm Damage Falling branches and uprooted trees can cause serious damage to roofs, siding, windows, and vehicles. With rising repair costs, insurance companies are looking for ways to reduce the likelihood of claims.
• Liability Issues If a tree on your property falls and damages a neighbor’s home or injures someone, you could be held responsible. Insurers want to minimize these risks.
• Preventative Maintenance Costs Less Trimming or removing a tree is far cheaper than covering a claim for severe damage. Insurers see proactive tree care as a way to reduce future losses.

What Homeowners Can Expect

Many homeowners are already receiving notices from their insurance companies requiring them to remove or trim trees that overhang their homes. Some policies may even be canceled or not renewed if the homeowner does not comply. In other cases, municipalities are enforcing stricter tree maintenance ordinances to prevent hazards before they become costly disasters.

What Should You Do If You Receive a Notice?

If you get a letter from your insurer or township about tree overgrowth, here’s how to handle it:

• Assess the Trees on Your Property Identify any trees with limbs extending over your roof or near your home. Also, check for dead or weakened limbs that could be a liability.
• Contact Artistic Tree & Landscape Creations Tree trimming and removal can be dangerous, and insurance companies often require work to be done by a licensed and insured arborist. As a professional tree service, we can help you determine the best course of action.
• Document Your Compliance If you’ve had the necessary work completed, take photos and keep receipts. If your insurer requests proof, you’ll have it ready.
• Review Your Insurance Policy If your insurer is making excessive demands, it may be worth shopping around for a company that is more reasonable about tree maintenance.

Proactive Tree Care Can Save You Money

Even if you haven’t received a notice, taking a proactive approach to tree maintenance can help you avoid future problems. Regular pruning reduces the risk of damage, extends the life of your trees, and keeps your property looking its best. If you’re unsure whether your trees pose a risk, Artistic Tree & Landscape Creations can assess them and recommend the best course of action.

Need Help Managing Your Trees?

If your insurance company or township requires you to trim or remove trees, don’t wait until the last minute. Contact us today at 412-303-4443. Our certified arborists can help you comply with insurance requirements while keeping your trees healthy and your home safe.