Home insurance covers various things, from trees that fall on your house to roof repairs. However, there are a few things it doesn’t cover. Does home insurance cover land clearing? Unfortunately, it’s not a simple yes or no answer.
The Reason Behind Land Clearing
Whether home insurance covers land clearing often depends on why you need land clearing services. For example, if a tree falls on the house, home insurance will likely pay to have it removed, which is classified as land clearing. However, many insurance policies won’t pay for removal if the tree doesn’t land on or damage structures on the property.
Preventative Clearing
Most insurance companies will not cover preventative clearing, such as removing a tree that can be a liability. Some providers will require that you remove the tree and pay for removal, or they may increase your insurance premium.
Aesthetic Appeal
Many homeowners want their Canby, OR, land to look nice, which includes brush removal. However, home insurance doesn’t cover aesthetic upgrades. Experienced agents at Oliver Insurance can let you know if there are any exceptions.
Building Necessity
Land clearing is necessary to build new structures on your property. While this will increase the value of your land, home insurance isn’t likely to help pay for the renovation.
Natural Disaster Clean Up
If you have proper coverage, many insurance policies will pay for land clearing due to a covered peril, including a natural disaster. For example, they may cover removing debris from high winds if your insurance covers wind damage, hurricanes, and tornadoes.
Insurance companies often follow strict guidelines regarding coverage. Our knowledgeable agents can help you determine whether your policy covers land clearing. Contact a representative at Oliver Insurance today to learn more. We currently serve the Canby, OR, area.
