Does insurance cover tree removal after a storm?

Before the saw starts

Photograph and video the tree from several angles while it is still on the house. Once it is cut, the adjuster can only see the aftermath. Include close-ups of where it contacts the roof, gutters and walls.

You do not have to wait for the adjuster

Your policy requires reasonable steps to prevent more damage. If a tree is on the roof and rain is coming, emergency removal and tarping are reasonable, and insurers expect them. Keep the invoices, and ask the tree service to itemize cutting and lifting off the structure, crane time, and hauling away.

Pricing after storms

Tree crews are in high demand after big storms, and prices climb. Get a written estimate before work begins when you can. Georgia's price gouging law applies during a declared state of emergency, and complaints go to the Georgia Attorney General's Consumer Protection Division. Be cautious with crews who demand full cash payment upfront or who want you to sign over your insurance claim.

Limits to know

Standard forms commonly cap tree removal at $1,000 per loss and $500 per tree, though insurers handle removal from the house itself in different ways. Ask your adjuster how your policy applies before you approve a large crane job.

Not covered

• Stump grinding and replanting.
• Trees that fell without hitting anything or blocking access.
• Preventive removal of trees the storm weakened.

Then the roof

Once the tree is off, get the roof tarped and inspected right away.

More: emergency tarping and mitigation and storm chaser scams.