Are Your Trees Overgrown?
Trees can add amazing visual appeal to a home. They can also help cool a home in summer, therefore saving on energy costs. They can soak up water from storms so the ground doesn't become saturated.
Trees are definitely a benefit, as long as you take proper care of them. If you don't take care of them, they can become a hazard to your home.
Tree branches hanging over your roof can cause premature wear and tear on your roof, shortening its life span. This is why many carriers will request insureds trim branches back away from the roof. Tree branches rubbing on the roof can leave behind leaves which can turn to mold on the roof if not cleaned off. They can also get into gutters and clog them, causing drainage issues.
If your trees are too close to the house when a storm hits, the branches are more likely to hit your roof or windows if they snap during the storm. This can cause thousands of dollars of damage. Your insurance may cover the damage, but you will still have to pay the deductible.
If your trees are too close to the house, the roots can cause foundation problems. The roots will drink whatever water is close by. It the tree needs more, the roots grow in the direction of water. Drying out around your foundation will cause shifts in the foundation. Your home insurance will not cover that issue. The roots themselves can grow into the foundation. Your home insurance will not cover that issue. So keep your trees trimmed annually and water them well. If you plant, know how far from the home you should plant the trees. If you know a storm is coming, walk your yard and decide if you need to do a quick trim. It can save you thousands on repairs later on.
If you have questions about your home, auto and commercial insurance, please call Brockman Premier Insurance at 877-987-8683 or email us at brian@brockmanpremier.com.Please visit our website for more insurance tips and information.
