An emerging trend in the home insurance industry is catching homeowners by surprise: policy cancellations due to trees hanging over or near homes. In some cases, insurers are terminating coverage without offering homeowners the chance to address the perceived risk.
One such instance involved Bruce Seamans, a homeowner who received a cancellation notice from his insurer, Travelers Insurance. The reason cited was the presence of overhanging trees on his property. What troubled Seamans most was not just the decision, but the absence of any proposed remedy. “They didn’t even say, if you take these trees down, we’re going to renew your policy?” he told reporter Justin Gray. Seamans lives in a wooded area, like many homeowners across the country, where mature trees are part of the landscape and often unavoidable.
While insurers may be tightening standards due to increased claims from severe weather events, homeowners are advised to proactively inspect their property for hazards. What once seemed like a common, even desirable, feature of suburban and rural homes—mature tree cover—may now be viewed as an insurable risk.
At Canopy Protection Network, we encourage not only individual vigilance but also community engagement. Neighbors, friends, and local organizations can play a vital role in identifying potential hazards, such as leaning or decaying trees, and supporting one another in taking preventive measures. By fostering a shared commitment to safety and maintenance, communities can reduce risks before they escalate into insurance issues or personal losses.
As the landscape of homeowner coverage continues to shift, staying informed and proactive is key. A conversation with your insurer today could help prevent a costly surprise tomorrow.
Remember to always consult a certified arborist before removing or altering any tree on your property. They can provide expert guidance on risk mitigation and help ensure that safety and local regulations are met.
See our FAQs page for answers to common questions about how homeowners and auto insurance cover tree damage, removal, and liability.