Professional Tree Service Insurance Claim Guidance

Tree removal and limb service require the use of specialized equipment and extensive knowledge of tree and plant care. At each independently owned and operated Monster Tree Service location, we understand how the cost of services may mount.


Fortunately, homeowner’s insurance may cover all or a portion of your removal if certain conditions are met. We work with most insurance carriers to complete your storm cleanup and restoration.

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Navigating Tree Removal Insurance Claims

Working through the insurance claims process can be tedious and frustrating. After tree damage, we’re here to assist you as you begin your recovery.


If you’re facing extensive damage to your home and yard from collapsed trees or branches and you wish to pursue a claim with your homeowner’s insurance carrier, you can depend on Monster Tree Service. We’ll assist you in preparing an insurance claim and navigating the details of your tree insurance coverage.


As a part of our process, we document the damage and record all important information so that you have the evidence you need to support your claim.

We Assist in Making an Insurance Claim for a Fallen Tree in Your Yard

Monster Tree Service is more than just post-storm clean-up and dangerous or fallen tree removal. The experienced arborists at each of our independently owned locations help you navigate your way through the initial insurance claim using years of professional experience.

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Frequently Asked Questions

  • Does homeowner’s insurance cover tree removal?

    If a tree or limb has fallen due to lack of care and upkeep, the responsibility falls on the owner of the property to pay for the damage.


    If a tree has succumbed to natural causes (specified by your policy), the insurance connected to the property the tree fell on should cover at least part of the removal costs. Insurance doesn’t cover voluntary tree removal or trees that fall away from buildings or driveways.

  • Does homeowner’s insurance cover tree damage to my home?

    Yes, if a tree fell due to natural causes, your homeowner’s insurance will likely cover at least part of the damage to your home. The amount of coverage will depend on your insurance plan. Insurance typically does not cover damage to a neighbor’s home.

  • Does homeowner’s insurance cover preventative tree removal?

    No. Homeowner’s insurance covers sudden tree collapse and accidental damage due to some kinds of weather. If you need to take preventative action, the burden of the cost falls on you.



  • How much does insurance pay for tree removal?

    This depends on your insurance, but many policies have a $500 - $1,000 limit per tree before you begin to pay out-of-pocket. If your debris-removal coverage, which includes fallen trees, is calculated as a percentage of your total damage, the amount you owe could be higher or lower. You may want to increase your tree insurance coverage if your property has several trees or older, larger trees.

  • If my tree falls on a neighbor's house who is responsible?

    If the damage happened due to a storm, your neighbor is responsible for covering the cost of repairs and removal. If the tree fell because of a lack of care and upkeep on your end, it may be your responsibility to pay for removal and repairs.