That Tree Could Cost You Your Entire Claim Check

Getting hit by a hurricane and watching half your insurance payout disappear just to get a tree off your house can be financially devastating. We’ve seen it happen. Tree removal costs after a storm can reach $10,000, $20,000, even $40,000. And here’s the part most people don’t realize:

That money comes straight out of your claim check before any repairs start. Tree removal is not a separate benefit. It reduces the amount you have to rebuild your home.

What You Should Do Now

• If you have a big tree hanging over your roof, fence, or driveway, get a professional to look at it now. Spending $1,000 now can save you big after a storm.
• If your neighbor’s tree is leaning your way, talk to them now. You don’t want it landing on your house.
• After a storm, tree crews are slammed and prices skyrocket. You’ll either be waiting in line or paying through the nose.

After the Storm

• Insurance usually only pays for tree removal if the tree caused damage to your insured property. If it falls in the yard and doesn’t hit anything, you’re paying for it yourself.
• There is no extra coverage for tree removal. It comes out of the same pot of money you need to fix your roof, your walls, and your fence.
• TWIA does not provide a list of preferred contractors. You’re responsible for finding someone, and scams and price gouging are common after major storms.

Tree Costs Before vs. After a Storm