Most people would think of locks, alarms, and smoke detectors when it comes to protecting your home. Not many know that your trees play quite an important role too. Home insurance companies grow very wary of tree maintenance since neglected trees can become expensive liabilities.
At Quality Tree Service in Medford, we have witnessed how routine tree care can prevent property damage and reduce risk, making a significant difference at the time of an insurance claim. Here’s why your insurer is concerned about your trees, and why you should be too.
The Hidden Risks of Neglected Trees
Unkept trees can quickly turn from assets to hazards. Big branches, sick limbs or weak roots can cause harm and damage, mostly in the winter storms of Medford or on a windy spring day.
Common risks include:
- Damaged Branches can fall on roofs, fences, or vehicles
- Root decay can cause entire trees to fall over
- Falling debries from trees can harm pedestrians and neighboring properties
If and when these incidents occur, especially if the tree’s condition is indicative of neglect, your homeowner’s insurance may not fully pay for the damage. Typically, insurance companies treat this as a form of damage that could have been prevented.
Why Insurance Companies Pay Attention
Insurance carriers review the risk of a property when writing coverage and rating it. Any trees that are dead, leaning, or growing too close to structures increase that risk.
Here’s what insurers consider:
- Proximity to Your Home – Trees that are too close to power line or a home roof are more likely to cause damage
- Condition of the Tree – Dead, diseased, or untrimmed trees are considered “high-risk.”
- Maintenance History – Well maintained trees and landscaping demonstrates proactiveness on the home owners part which can postively impact insurance rates.
How Tree Maintenance Protects Your Property and Policy
Partnering with a respected professional tree service, such as Quality Tree Service, your trees remain healthy and hazard-free throughout the year.
What regular maintenance provides:
- Early disease detection before it can progress to the point of weakening the structure of your tree
- Pruning and trimming so they do not interfere with roofs or power lines
- Tree removal – The removal of an unsafe or irredeemable tree
- Storm prep and clean-up to keep those out of emergency claims
These steps are there not only to keep your property safe but to show your insurer that you’re taking the right precautions.
Documentation Matters
The devil is in the details when it comes to insurance claims. You should keep invoices, inspection notes, or even before-and-after photos regarding your tree maintenance. Professional exposure to excellent tree care from a world-class company like Quality Tree Service Medford does assist you in proof of acting responsibly in case of damage.
Why Choose Quality Tree Service Medford
We’ve been helping our customers maintain their properties safe through reliable tree care for several years. Our arborists have certifications in relation to the local environment and the risks which the insurance companies are usually looking for.
Remember, good arbor care provides necessary, reasonable, and practical measures to reduce risks associated with trees growing close to your homes or power lines. From regular trimming to complete removal and emergency storm services, Quality Tree Service Medford provides this level of expert care that keeps not just your property but your insurance coverage in good standing.
Regular professional care reduces your liability risks and wards off costly claims by laying the kind of diligence insurance companies value. If you don’t know the condition of your trees, call Quality Tree Service Medford for a free consultation today.