What homeowners insurance typically covers
Standard TX HO-3 policies generally cover removal and repair when a tree damages a covered structure (home, detached garage, fence, driveway) due to a covered peril — wind, hail, lightning. Many policies cap tree removal at $500–$1,000 per tree, with an aggregate per event. Pure yard cleanup (trees down but no structure damaged) is commonly excluded.
The documentation packet that wins claims
Wide-angle and close-up photos from at least four sides, time-stamped before any cuts; a written hazard assessment from a credentialed arborist; itemized scope of removal; tarping and water mitigation receipts; and a clean cost narrative tying every line item to the covered peril. We supply all of this as part of our standard service.
Adjuster-ready language we provide
Our written quote uses Xactimate-aligned line item descriptors so your adjuster doesn't have to translate. We avoid scope ambiguity that gets claims kicked back for "supplemental review."
At-A-Glance Checklist
- ✓Timestamped photo packet (4+ angles)
- ✓Arborist hazard report on request
- ✓Xactimate-aligned itemized estimate
- ✓Tarp and water mitigation receipts
- ✓Direct calls with your adjuster (with your permission)
| Tree on house, wind peril | Usually covered — repair + removal up to cap |
| Tree on car | Comprehensive auto, not homeowners |
| Tree on fence (wind) | Usually covered — removal + repair |
| Tree down, no structure damage | Often excluded |
| Neighbor's tree on your home | Your policy pays, may subrogate |
Frequently Asked
Do I need to wait for the adjuster before removing the tree?+
Document thoroughly with photos and video first, then proceed with emergency mitigation. Insurers expect homeowners to prevent further damage; documented emergency removal is reimbursable.
Will you bill insurance directly?+
We typically bill you, then provide an itemized invoice for reimbursement. Direct billing is available for confirmed claims over $5,000.
What if the adjuster lowballs the estimate?+
Your written flat-rate quote from a licensed contractor is strong evidence. We can speak to your adjuster directly when you authorize it.
Live dispatcher answers. Flat-rate quote on-site. No fix, no fee.