Authored by: Jason Gordon Trees provide shade, aesthetics, and environmental benefits, but they can also pose risks to homes when poorly maintained, structurally unsound, or in hazardous locations. Insurers must evaluate these risks consistently to determine potential liability and preventive measures. Unfortunately, recent research has found that insurance companies are often assessing tree risk, and demanding removal or pruning, based on unsound data. The primary methodology of the companies assessing tree risk appears to be satellite imaging or drone footage rather than input from a professional arborist who would use industry-accepted protocols and best practices. If homeowners do not comply, they face increased premiums or loss of coverage. Further, the directive from the company may violate municipal tree ordinances. Tree Removal Is Not Always Necessary A tree does necessarily need to be removed just because it is located near a home. Proper pruning methods and other strategies can significantly reduce risk. By contrast, improper pruning methods can increase the risk of failure. Depending on the hazard and level of risk, a Certified Arborist may suggest various mitigation prescriptions to decrease risk. Some of these could include, for example: Regular inspections Prune the tree (treat the specific hazard in the tree) Cable or brace the tree Aeration, fertilization, mulching Remove the tree (last resort) What Homeowners Can Do There are some activities the homeowner can accomplish without the help of a professional. For example, the homeowner can ensure the tree has favorable growth conditions with the appropriate application of mulch and irrigation. One of the most important activities a homeowner can undertake is to continuously and regularly monitor the condition of the trees. Trees are living organisms that should not be taken for granted! Resources for Homeowners The Georgia Arborist Association provides advise to homeowners to address this issue. Homeowners can send a letter to their insurance company using a provided template and search for a Certified Arborist. Once a Certified Arborist is involved, insurance companies often withdraw the ultimatum.
