How Trees Can Impact Your Home Insurance

Having trees on your property can influence your home insurance policy, but it doesn't always mean a higher premium. Insurance companies often evaluate your trees' potential risks during the quoting process. While some may ask specific questions about your trees, many simply require you to confirm that no trees are within a certain distance of your home or above a specific height.

If your situation doesn't align with these assumptions, you may need to answer additional questions or contact your insurer for an accurate quote. Be aware that if your insurer imposes exclusions or limits related to trees, these will be detailed in your policy documents. Generally, trees located closer to your home pose a greater risk.

Key Considerations:

• Tree Height and Proximity: Trees taller than 10 metres or situated close to your home may result in increased premiums.
• Claiming for Neighboring Trees: You typically need to claim on your home insurance if a neighbour's tree falls and damages your property.
• Removal Costs Not Covered: Home insurance usually covers damage caused by a tree but not the cost of its removal to prevent future damage.

Why Are Trees Considered a Risk?

Trees can damage your home in several ways:

1. Falling Branches: A branch can break and damage your roof, windows, fences, or outbuildings.
2. Whole Trees Falling: An old or damaged tree can collapse entirely, posing a significant risk to your home.
3. Subsidence: Trees absorb moisture from the soil, which can lead to subsidence as the ground beneath your foundations dries out and shrinks. Repairing subsidence can be extremely costly, often requiring underpinning that can total tens of thousands of pounds.
4. Heave: Conversely, removing a tree can lead to heave, where soil expands due to increased moisture, pushing up your home's foundations. If you're considering removing a tree, consult a professional to explore preventive measures.

Average Insurance Costs After Tree-Related Claims

Data suggests that the average home insurance premium increases significantly after a claim for falling trees. For instance, premiums average around £357 for policies with tree-related claims, compared to £183 for those without any previous claimsill I Be Denied Insurance Due to Nearby Trees?

While it’s rare to be denied coverage due to a large tree, higher premiums may apply. It's essential to read through your insurer's terms regarding tree-related assumptions and exclusions before finalising a policy. In rare instances, insurers may require the removal of a tree before granting coverage.

Should You Remove Trees Close to Your Home?

According to the Royal Horticultural Society, most trees near buildings do not cause damage, but it’s advisable to have them surveyed periodically. Consider removing a tree if it:

• Blocks light to your home.
• Grows into overhead cables.
• Lifts paving or sheds with its roots.
• Is diseased or poses a risk of falling.

Before removing a tree, check for a Tree Preservation Order (TPO) through your local planning department, as removal may require consent if the tree is protected.

What to Do If Your Neighbor's Tree Falls on Your Property

If a neighbour's tree falls and damages your property, you'll typically need to file a claim with your own home insurance. Although your neighbour may be responsible for the damage, your insurer will pursue costs on your behalf, leaving you with the initial excess payment.

Legal Rights and Tree Removal

You can remove a tree on your property that isn’t protected by a TPO or located in a conservation area. However, as a tenant, you need the landlord’s permission before removing any trees. Additionally, you are liable for any damage caused by your actions, such as if a tree falls on a neighbour’s property .

Pees Near Your Home

If you enjoy having trees in your garden, consider these guidelines:

• Research Growth Potential: Ensure you plant trees at a safe distance from any structures based on their potential height.
• Select Suitable Species: Avoid trees with aggressive root systems, like willows or oaks, near your home.
• Regular Maintenance: Prune and maintain your trees to reduce risks.
• Distance from Drainage: Keep trees away from drainage systems to prevent pipe damage.

What Are the Worst Trees for Subsidence?

The Association of British Insurers (ABI) identifies several tree species that are more likely to cause subsidence due to their high water needs. Here are some key offenders and the recommended planting distances from buildings:

Conclusion: Home Insurance and Trees

While trees can add beauty and value to your property, they also come with potential risks that can affect your home insurance. Be proactive by regularly maintaining your trees, conducting surveys, and consulting professionals when necessary to mitigate risks. If you're considering buying a home with nearby trees, it may be beneficial to have a specialist tree survey conducted, especially if financing is involved.

For more information on protecting your home from tree-related risks, visit the Royal Horticultural Society and the Association of British Insurers.