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Got a misbehaving tree? Working out what kind of tree damage cover you can get can be difficult. Luckily, we've done the research to help you get the cover you need. You can get home insurance cover for fallen trees and branches that damage your property as well as some tree root damage.
Find out below what common general exclusions apply, what you can do if your home is damaged by a tree and how to go about getting rid of your neighbour's tree.
The way insurance covers tree damage varies between policies, but generally the following applies:
However, there are some exceptions that generally apply:
Are you worried about damage to your home from a fallen tree? Most home insurance policies should cover these damages if it's caused by an act of nature. Compare policies and other benefits that can help with the damages from fallen trees before it's too late.
Check with your insurer to see if you can have the tree removed. It's often the case that you won't be covered if the tree hasn't done any damage to you or someone else's property. However, if this is the case, contact an arborist. If they recommend it should be removed as it's unsafe, you may be able to go through your home insurance to have it removed. Each policy is different, so remember to read the product disclosure statement before you commit to having the tree removed.
Your policy or your neighbour’s policy may cover each other if it’s a liability issue and the relevant home insurance policy includes liability cover.
For example, if your neighbour’s tree falls on your home, then your neighbour’s home insurance might cover the damage. If the tree is on your property, then both the tree and its roots may be your responsibility.
Home insurance liability cover is subject to:
If your neighbour has altered the tree in any way – such as removed its roots to repair a driveway – then it's likely that they are liable to cover the repair costs. Similarly, if there is evidence to suggest that they knew the tree was dangerous – for example, an arborist recommended its removal – then they are also liable.
However, it's often the case in Australia that bad weather and storms results in fallen trees. It's generally the case that this comes under an 'act of nature' for which there is no liability. This means that, should a storm bring down your neighbour's tree on to your home, you may have to cover the costs. That's why making sure your home insurance has cover for tree damage is important, even if you don't have trees on your property.
When dealing with issues with your neighbours, you should always do your best to keep things friendly and resolve things amicably. Ordinarily, damage as a result of tree roots either to you or your neighbour's home is not something that home insurance covers. If this is the case, it may be worth coming to a solution with your neighbour about removing the tree.
However, in some cases, if the tree roots are causing serious harm to your neighbour's home, you may be liable to pay. This can include things like structural damage to the property, such as crushed pipes, damaged roofs and walls or cracked foundations.
If you do have a large tree on your property, you may want to look into getting cover for damage to your home or other's property. Many policies will specifically exclude damage caused by roots so finding cover can be difficult.
If your neighbour's tree roots are damaging your property, it can be difficult to get cover. That's because it's common for insurers not to cover the cost of removing tree stumps and roots still in the ground. However, there are some things you can do:
General exclusions are restrictions that apply to all cover types, including the liability component.
For example, a common general exclusion is “movement of the earth”. If a tree’s roots undermine your neighbour’s property and end up causing the ground to collapse, you might not be covered by your policy.
Sometimes; it depends on where and how it fell. A policy that will most likely pay out for the removal of fallen trees is one that contains a “removal of debris” clause.
Depending on the policy, this might only be available as an optional extra, and might only cover the cost of removal of debris that actually damaged your home. It typically doesn’t cover the costs of digging up and removing tree stumps that remain after a tree falls, or any related landscaping costs.
Your home insurance generally won’t cover any damage caused by branches or trees that fell and caused damage as a result of trimming.
If you were doing the trimming yourself, then you’d probably be fully responsible for any damage that was caused.
If you hired a professional to do the job, they may be liable for the damage. You might be able to make a claim through their business insurance or other liability cover.
If you were doing the lopping yourself, then you'd probably be fully responsible for any damage that was caused to your property.
Your home insurance generally won't cover any damage caused by branches or trees that fell and caused damage as a result of trimming, pruning or tree lopping.
If you hired a professional to do the job, they may be liable for the damage. You might be able to make a claim through their business insurance or other liability cover.
If a tree on your property falls on someone else's car, you might be covered by liability insurance. If it lands on your own car, then it's possible, but unlikely, that a home insurance policy will offer some form of cover.
As it's not part of the building itself, it won't be covered by that section of the policy. Instead it might be found under the "contents" section; but generally this section will exclude cover for motorised vehicles.
However, if you have comprehensive car insurance, it will probably cover you for this event.
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