Do you have tree’s surrounding your Private Road?
If you have a tree, or multiple trees surrounding your Private Road, Private Lane or similar throughway then it would be a good idea to take out a ‘Tree Removal’ extension on your Private Roads Insurance Policy.
Simply put, this cover will help pay towards any removal of trees that have fallen (for example in a storm) and are blocking your private road as well as cover any damage caused to your Private Road, private path or similar.
If you opt for a tree removal extension on your Private Roads policy then you will also be covered for the removal and lopping of trees that are deemed dangerous to the public.
Private Roads Insurance will not cover the cost of removing a tree that has not yet fallen – that is your responsibility (or that of the management company or residents association). You need to make sure that you are keeping up general maintenance, such as removing a dying tree as well as pruning any trees.
If a tree has fallen in a storm and caused damage, then the removal of tree extension part of your policy should pay for the damage caused as well as the removal of the tree (or branches).
Basic Tree Removal Cover Details
Below is a brief overview of what is included with a removal of trees extension, conditions that need to be met and some common exclusions.
- Removal of any fallen trees
- Lopping of any trees that are deemed dangerous to the public
- Routine inspections of the area
- Periodic survey by an arboriculturist
- That any legal restrictions are met
- Damage caused by: Impact (other than aircraft), malicious Damage or any other accidental damage
- Pruning, pollarding or any other routine management of trees
- Extraction of roots following tree removal
So Should I have ‘Removal of Trees’ on my Policy?
Of course it is entirely up to you whether you include this cover in your Private Roads Policy, but if you have a tree or multiple trees on your property that could cause damage to your private road if it falls down in a storm, then it would definitely be worth including it on your policy.
What to do next if you want this cover
To enquire about this send us a message on our contact page and we will be happy to get you in touch with a private roads Insurance broker who can look into this for you.
To read an overview of Private Roads Insurance then read our overview page here
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