When Insurance Says “Remove That Tree”: What Simsbury Homeowners Need to Know Before It’s Too Late
When Insurance Says “Remove That Tree”: What Simsbury Homeowners Need to Know Before It’s Too Late
It’s a call no homeowner wants to get — your insurance company says you need to deal with that leaning oak or dying pine, or they might not renew your policy.
Across Simsbury and nearby towns like Avon, Canton, Granby, and Farmington, more homeowners are hearing the same thing: take care of hazardous trees now, or risk losing coverage.
Why is this happening? Let’s dig in.
Why Insurance Companies Are Cracking Down on Trees
Insurance companies have become stricter about property risks — and trees top the list.
Large, overgrown, or damaged trees can cause costly claims during storms, especially when branches hang over roofs or power lines.
To minimize risk, insurers are conducting more inspections (including drone and satellite reviews). If they flag a tree as dangerous, they can:
- Require removal or trimming before issuing coverage
- Delay policy renewal until the issue is resolved
- Or, in some cases, drop the policy altogether
And here’s the catch: the responsibility (and cost) falls on the homeowner.
Common Tree Issues That Trigger Insurance Warnings
In the Simsbury area — where older trees are common and storm damage is frequent — insurers often flag:
- Dead or decaying trees near homes or driveways
- Large limbs hanging over roofs or fences
- Trees leaning toward structures or power lines
- Root systems that threaten foundations or drainage
Even healthy trees can become a liability if they’re too close to a structure. It’s not about beauty — it’s about risk.
What To Do If You Get an Insurance Notice
Don’t panic — but don’t delay, either.
If you receive a notice from your insurance company, act quickly to document and address it. Here’s a quick action plan:
- Call a certified tree professional immediately.
- AX Simsbury Tree Service Guys provides insurance-ready inspections and reports that satisfy insurer requirements.
- Get a written estimate and removal plan.
- Provide this to your insurance company as proof of action. It can often prevent a policy cancellation.
- Keep photo documentation.
- Before and after photos help if you ever need to show compliance or file a claim later.
- Schedule routine maintenance.
- Regular trimming and assessments can prevent these notices in the first place.
Proactive Tree Care = Insurance Peace of Mind
You don’t have to wait for an ultimatum from your insurer.
At AX Simsbury Tree Service Guys, we help homeowners in Simsbury, Avon, Canton, Granby, Farmington, and Bloomfield stay ahead of insurance issues with proactive inspections and preventive trimming.
Our team provides:
✅ Insurance-compliant tree assessments
✅ Detailed documentation for insurance companies
✅ Safe, efficient removals and pruning
When it comes to trees and insurance, “I’ll deal with it later” can be an expensive mistake.
Final Thoughts
Insurance companies aren’t the enemy — they just want to reduce risk. But when that means removing a beloved tree, it’s important to have a trusted local expert on your side.
AX Simsbury Tree Service Guys helps Simsbury-area homeowners protect their property, stay compliant, and keep their coverage intact — without unnecessary removals or surprises.
