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What are the criteria for a hazardous tree? A tree that is potentially threatening to people or property is caused by multiple reasons, such as poor quality tree care or improper tree maintenance, falling victim to storm damage, decay/rot, and disease from pests or insects such as the ALB or Asian Longhorned Beetle.
The odds are greater that a hazardous tree is more likely to fall and cause property damage than a healthy tree. Trees tend to become hazardous threats when tree maintenance has been ignored which allows for branches and limbs to become overgrown, and disease from rot or pests sets in killing the tree from the inside out.
A tree risk assessment is the only way to identify a hazardous tree and assess the proper way to go about removal. Dead trees, rotted or rotten trees are often the most likely candidates for tree removal. Any reputable tree company can determine by a simple tree structure evaluation which trees pose the greatest potential risks to people and property. Healthy trees can easily fall victim to decay and disease. Even the strongest of tree species when gone unattended can be overcome by vermin. Proper tree care or pruning, tree shaping, or thinning is essential for the longevity of a tree’s life.
Hazardous Tree Damage is Not Covered by Most Insurance Policies
According to, James Hirby of “The Law Dictionary” most homeowner’s insurance policies state that it is the homeowner’s responsibility to maintain proper upkeep of the home and property. Just as a homeowner would install storm windows for regular routine maintenance. So must the homeowner routinely monitor the trees in their yard for regular tree maintenance.
When homeowners fall victim to storm damage and need to file a claim with their insurance company. The insurance agency will try and determine if the tree that fell could have been considered a hazardous tree. In this case, once it is determined, the insurance company potentially will not cover the claim. Click here to read the full article