Will My Insurance Cover Tree Removal?

» Posted by on Dec 11, 2019 in Tree Services | 0 comments

If you want to have a tree removed, you may want to know if your home insurance company will be shoulder part or all the costs involved. However, not all insurance experts are the same, in the same way as not all tree service providers are similar. You may want to hire skilled and experienced tree climbers, so you don’t have to worry about accidents at all.

But then again, mistakes can happen. These are what you can untoward incidents that’s beyond your control. You must also realize that the insurance provider for accidents is different for the insurance provider for the tree trimming service itself. Either way, you must know how to deal with these insurance providers to begin with. To help you with that, here are some questions that you can ask:

1. For how much are you covered?

The liability insurance of the service provider you’ll hire must be $50,000 for minor accidents and $250,000 for property damage. That’s the amount that you’re going to use for reconstruction purposes. Tree service providers should be able to cover your property for whatever damage that occurred and any injury that happens.

2. How much is personal injury coverage?

The ideal personal injury coverage is at least $1,000,000. The potential injuries can be extensive if it’s coming from a tree removal injury. But while the workers are covered for such amount, there may still be some liabilities on your part when an injury occurs. It’s important that you weigh these things before deciding.

3. How much is your workman’s compensation insurance?

This is yet another insurance that is worth asking about. This is the insurance that will protect you, the homeowner, in case the accident happens in your place. This is the law of most states and without this insurance, you’ll be shouldering most of the payment. It’s also for that reason why homeowners are asking for this type of coverage first.

The Liabilities Involved

As the homeowner, you don’t want to be liable for anything that happens on your property, especially when it comes to personal injuries and damage to property. The safety of everything around them should be the priority of the company that you hire. If it’s not done that way, then that company is not worth hiring at all.

You must do your share of doing some background checks on the tree service company before hiring them. Along with verifying their reputation, you must also make sure that they are fully insured so that everything will go smoothly as planned. Even the safest service providers can’t be too careful. You want to have insurance to fully ensure you that there won’t be any problem now or in the future.

These are just some of the tips that you should follow when you need experts in tree removal Charlotte NC. Don’t be too complacent and trusting. Be sure that you go through the process of performing due diligence because it’s one way of watching your own back when it comes to tree services.

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