My home insurance policy won’t renew in Aug because I have tree limbs from an oak over the house. I just talked to an arborist though and he said removing the limbs would kill the tree. He said they can do a weight reduction on the limbs to decrease the risk of damage to the house. What do I do?

Navigating Homeowners Insurance Challenges Due to Tree Branches Over Property: Expert Advice and Possible Solutions

For homeowners, unexpected insurance complications can be stressful—especially when they involve cherished trees that enhance your property’s beauty and value. Recently, I encountered such a situation when my homeowner’s policy was at risk of not renewing due to overhanging oak branches threatening my house.

The issue arose because my insurer flagged the tree limbs as a potential liability. After consulting with a certified arborist, I learned that removing the overhanging branches entirely could jeopardize the health of the tree. The arborist explained that pruning techniques, specifically weight reduction measures, could reduce the risk of damage without harming the tree. However, this approach presents its own challenges.

In Georgia, local regulations may also restrict the removal of certain branches, complicating the situation further. I received quotes from two reputable tree service providers willing to prune the limbs, but I am hesitant to proceed with complete removal due to concerns about causing long-term harm to the tree or risking eventual total removal.

An alternative strategy involves conducting a formal risk assessment. Presenting this assessment to the insurance company—supported by the arborist’s opinion that the current risk is low and would decrease further after pruning—could help maintain coverage. This method provides a documented assurance that the trees pose minimal danger and may satisfy the insurer’s requirements.

If you find yourself in a similar predicament, consider consulting with a qualified arborist to evaluate the tree’s health and risk level. Additionally, explore legal restrictions in your area and work collaboratively with your insurance provider to find a sustainable solution that balances property safety, tree preservation, and compliance with local laws.

Protecting both your home and your trees requires careful planning and professional guidance—ensuring peace of mind for years to come.