Should I file a claim to have a tree removed but not have the damage to the covered structure repaired?

A tree in my yard fell after a snow storm. It hit my shed and swing set but I do not want to have them repaired. I only want to have the tree removed. My deductible is $1,000 and tree removal is covered on my policy since there is damage to the covered structures. Should I file a claim to have the tree professionally removed?

Nov 17, 2020 Albany, NY

Renata Balasco

Nov 17, 2020

Typically, an insurer would prefer to handle any and all damage incurred as to avoid any unnecessary future risks of property damage or bodily injury caused by the damaged structure. This is a claims-related question that would be uniquely handled by the claims department of your insurance provider. It would be best to connect with your insurance company to determine whether they are willing to cover the cost of the tree removal without also repairing the damage to the structure.

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