When spring arrives each year, home insurance agencies receive a flurry of claims resulting from damage caused by dead and dying trees. These seemingly harmless pieces of our yard create a surprising number of problems for homeowners. To sidestep any issues, here are some precautions to take this spring to avoid tree-related home insurance claims.

Tips for Avoiding Problems with Dead or Dying Trees

Inspect Your Trees

Once the snow thaws and leaves begin to bloom, walk around your property and inspect your trees. Pay particular attention to those growing near constructed structures like your house, fencing, and your neighbor's garage. Look for signs of tree decay, such as cavities in the trunk, mushrooms growing on the bark or roots, or branches with no foliage.

In Case of an Issue

If you spot any trees that appear to be dying, keep away from them as they may suddenly collapse. Tell your children to avoid playing nearby and post a sign on the trunk warning passersby of falling limbs. If part of your tree hangs over a neighbor's property, inform them of the problem and schedule a tree inspection to prevent the spread of disease to other trees or a potential liability claim on your home insurance policy.

When to Call a Professional

If you have no experience felling trees, think twice before removing one yourself. You will be held responsible if your tree falls onto a nearby structure, telephone wires, or electrical lines. To prevent liability or removing a healthy tree, consider hiring a licensed and insured tree removal contractor.

If you plan on cutting down a tree in your yard, first ensure your home insurance is up to date to protect your assets. Since 2000, the insurance agents of Northwoods Insurance Agency in Crandon, WI have helped businesses and individuals throughout Forest County protect what matters most. In addition to home insurance, they specialize in business, life, renters, and car insurance. Explore client testimonials on their website or call (715) 478-2215 to request a quote.