Cutting down a tree on your property can be a tough job, but what happens if things don’t go as planned? If the tree ends up crashing down onto your house, you’re likely wondering, “Does my insurance cover this?” Well, let’s dive into this topic so you can have peace of mind. As a resident of Burlington, WA, you know how important it is to protect your home, especially with all the unpredictable weather we face in Skagit County. In this article, being a local tree service providers, we will break down whether your insurance will cover tree damage, what steps you should take, and answer some common questions about tree removal and liability.
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Will My Insurance Cover Tree Damage if I Cut Down a Tree Burlington WA?
The good news is that most homeowners’ insurance policies in Washington, including Burlington and nearby Skagit County, generally cover damage caused by a fallen tree, if the fall is accidental. However, if you cut down a tree yourself and it falls on your house due to negligence, it’s a different story. Insurance companies often assess whether the act was intentional or avoidable. So, if you’re not an expert at tree cutting, it might be safer and more cost-effective to hire a professional tree removal service like Baxter’s Tree Service to prevent accidents like this in the first place.
Is a Tree Considered a Falling Object?
Yes, in the eyes of your homeowners’ insurance policy, a falling tree is typically considered a falling object. Whether it’s a storm that causes a tree to collapse or if it happens during a removal gone wrong, as long as the incident wasn’t intentional or due to neglect, most insurance companies in Burlington, WA, will help cover the damage.
Who Is Liable When a Tree Falls on a Neighbor’s Property in Burlington?
Though we’re in Washington, it’s worth noting that liability rules can vary by state. In Burlington WA, for instance, if your tree falls onto your neighbor’s property due to natural causes (like a storm), your neighbor’s insurance generally covers it. But if the tree was clearly a hazard before falling, you could be held liable. The same goes for other states—so if you’ve got a risky tree on your property, it’s smart to take care of it before it becomes a costly problem.
Related This: DOES HOMEOWNERS INSURANCE COVER A TREE FALLING ON YOUR NEIGHBOR’S HOUSE BURLINGTON WA?
Who Is Responsible for Fallen Tree Removal in Burlington WA?
In Burlington, if a tree falls on your property, even if it originated from your neighbor’s yard, you are responsible for the cleanup. This rule often surprises homeowners, but it emphasizes the importance of maintaining healthy trees. In Burlington, we experience rainy and windy weather, which can put a strain on even the healthiest trees. Regular tree inspections services can save you from potential headaches (and costs) down the road.
Does Umbrella Insurance Cover Tree Damage in Burlington WA?
Yes, umbrella insurance can cover tree damage, but only in certain situations. Umbrella policies provide extra liability protection, often extending beyond the limits of your homeowners’ insurance. For example, if your tree falls on someone else’s property and causes extensive damage, your umbrella policy can help cover the excess costs that your standard homeowners’ insurance won’t.
How Much Is an Umbrella Insurance Policy in Greater Skagit County?
An umbrella insurance policy isn’t as expensive as you might think. On average, you can expect to pay between $150 and $300 per year for a $1 million policy. Given how much extra protection this can offer—especially when it comes to unforeseen events like emergency tree damage—it’s a smart investment for many homeowners in Burlington, WA.
Is an Umbrella Policy with Insurance Worth It?
In a word: yes. If you live in an area like Skagit County, where severe weather can strike without warning, having an umbrella policy can give you that extra peace of mind. Whether you’re dealing with tree damage or some other unexpected issue, an umbrella policy ensures you’re covered beyond the limits of your standard insurance.
Protect Your Home and Trees with Baxter’s Tree Service
Now that you know the ins and outs of how insurance can cover tree damage, don’t take any chances with DIY tree removal. If you’re in Burlington or anywhere in Skagit County, Baxter’s Tree Service is here to help. We’re fully insured, certified, and trusted by homeowners across the area. Avoid the risk of costly damages and give us a call for a free estimate. We offer 24/7 emergency services, and we’re ready to assist with all your tree care needs, from removals to routine maintenance.
Call us today at (360)-503-0571 or visit us at 962 S Spruce St, Burlington, WA 98233 to keep your property safe and beautiful!
