Why Insurance Companies Won’t Cover Homes with Tree Limbs Hanging Over the Roof

Tree Limbs

Why Insurance Companies Won’t Cover Homes with Tree Limbs Hanging Over the Roof

When it comes to protecting your home, your insurance company looks at more than just your roof and foundation. One of the biggest red flags during home inspections? Tree limbs hanging over your house. 🌳

You might think those branches just add shade or a little charm, but to insurance providers, they’re a serious liability risk. One that can prevent you from getting or keeping homeowners insurance.

🌩️ Why Overhanging Tree Limbs Are a Red Flag

Insurance companies assess risk exposure, and limbs hanging over your home increase several hazards:

1. Roof Damage

Falling limbs or branches can crack shingles, puncture roofs, or damage gutters. Especially during storms. Even smaller branches constantly brushing your roof can wear away protective layers over time.

2. Blocked Access During Storms

Downed limbs after hurricanes or high winds can block emergency access, delaying damage response or repair efforts.

3. Increased Fire Risk

In dry conditions, overhanging limbs can act as a direct path for flames to reach your roof. A huge concern in both rural and suburban areas.

4. Pest & Mold Concerns

Trees touching your roof give pests like squirrels, raccoons, and ants easy access to your attic. Leaves and debris also trap moisture, leading to mold, mildew, and rot.

🧾 Why Insurance Companies Deny or Cancel Coverage

Most insurance companies require a clear buffer zone between your home and surrounding trees.

If an inspector sees limbs hanging over your roof, they may:

• Deny a new policy until trimming or removal is done

• Require proof of professional tree service before renewal

• Drop coverage entirely after repeated warnings

The reasoning is simple: insurers don’t want to pay for avoidable damage. From their perspective, overhanging limbs are a preventable hazard. One that falls under homeowner responsibility.

🪓 How to Fix the Issue (and Stay Covered)

The solution is simple: trim or remove problem trees before they cause damage, or before your insurance company demands it.

At David and Family Tree Service, we specialize in safe, controlled tree trimming and removals around roofs, fences, and power lines. Our trained crews ensure every limb is lowered safely and your property is protected from further risk.

✅ Fully Licensed & Insured

✅ Perfect 5-Star Google Reviews

✅ A+ Rating with the Better Business Bureau

✅ Serving Okaloosa, Walton, Holmes, Washington & Bay Counties

🌳 Protect Your Home and Your Coverage

Don’t wait for your insurance company to make the call. If you’ve got trees hanging over your roof or brushing against your home, let David and Family Tree Service take care of it safely and professionally.