WHEN A TREE IS MATURE IT SHOULD BE FELLED THE TIMBER USED AND TWO SAPLINGS BE PLANTED IN ITS PLACE –
NOT DURHAM COUNTY COUNCIL
WE GET WINDS OF 80 MPH GUSTS AND MATURE COUNCIL TREES THREATEN TO FALL ON HOMES
PENSIONERS LIVE IN FEAR OF BEING CRUSHED TO DEATH AFTER A LIFETIME OF CAREFULLY TRYING TO AVOID DEATH ON THE ROADS THROUGH UN REPAIRED POTHOLES.
DURHAM AND NORTHUMBERLAND COUNCILS VIE FOR THE MOST NUMBER SPOTTED BY KEEN POTHOLE SPOTTING BOYS AS THEY BUMP ALONG THE ROAD.
SO IF THE POTHOLES DON’T GET YOU THE TREES MIGHT
OF COURSE WITH POTHOLE ONLY THE SPRING GETS DAMAGED –
I SAY ONLY BECAUSE THE SAID POTHOLE SHOULD BE PHOTOGRAPHED AND THE COUNCIL INSURERS MADE TO PAY UP.
WITH A TREE FALLING ON YOUR HOME THE STORY COULD BE DIFFERENT
WHAT DOES YOUR HOUSE INSURANCE SAY ?
NO TREES ABOVE 10 METRES HIGH WITHIN 30 METRES ?
Do trees cause problems with home insurance?
If you have trees close to your home, your home insurance premium probably won’t be any more expensive, or the process of taking out a policy any more complicated.
If a tree hits your home or other insured structure, such as a detached garage, your standard homeowners insurance policy covers the damage to the structure, as well as any damage to the contents.
This is true for trees felled by wind, lightning or hail.
Some – but not all – insurers will ask how far away trees are from your home.
Will I be refused insurance if I have a large tree near my house?
It’s unlikely you will be refused insurance if you have a large tree near your home.
It is however common for insurers to ask you about the trees surrounding your garden. And if you have a very tall tree close to your home, that can be deemed a risk to your house and some insurers may increase your premiums (the price you pay for your home insurance).
My Neighbour’s Tree has Fallen On to My Home
If your neighbour’s tree falls on your house, you will not be able to claim on their home insurance policy (unless you can prove the tree fell because of negligence ie the tree was known to be damaged). This means you will have to claim on your own home insurance and pay the excess, but all is not lost as you can take your neighbours to a small claims court to get them to repay the excess.
How do trees affect my home insurance?
It is a common misconception that damage from trees in close proximity to your home can raise your home insurance price because of a risk from fallen branches.
. We’re happy to say that, at Towergate at least, this is not the case. Our range of home insurance policies will cover you for this as standard, and we won’t raise the price.
So even with a forest in your back garden, the cover from our standard and non-standard insurance products will keep you protected against tree damage of this kind, even during bad weather and storms.
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