Apio tree felling

Tree felling

By Caron Whitfield, Head of Marketing and Distribution at Apio Group

We have all seen the flyers that get put in our post boxes or stuck on the garden gate, advertising tree felling services. Some of us have even tried to cut down an overgrown tree or branch ourselves. What most of us don’t consider is, who is responsible for the damage that a fallen tree can cause to property and even people.

Apio tree felling

If you are considering cutting down or removing a tree that is not directly on your property, (the sidewalk for instance), its important to note that you need written permission from the municipality to do so. If one of your trees has grown to the point where it interferes with the power lines or blocks a road, the municipality can ask you to cut it down. If you fail to do so, they may cut it down for you, and then present you with the bill.

But what do you need to know when it comes to your own insurance policy and how you are covered for tree felling?

If a tree blows over in a storm and causes damage to your home; the damage will be covered under most personal insurance policies. If the tree falls over but does not cause any damage, you will also be covered.

It’s also important to note that if you do hire a tree felling company or a building contractor, to remove or fell a tree, check that they have insurance in place. Most personal policies will not cover any loss or damage that is caused by outside agents in the course of the work they are doing for you.

It is very important that you check your own policy, or speak to your Apio broker to find out what your policy will cover and what the limits are.