Insuring against tree damage

Key points:

• Not all insurers tend to provide cover for damage caused by falling trees as standard, as we do at John Lewis Money

• Having a high-risk tree near your home can increase your premium

• Structural damage from falling trees and branches can make your home uninhabitable

• Certain trees are known to be more likely to cause subsidence issues due to the amount of water they soak up

In most cases, trees come as a welcome addition to our homes, offering privacy, shade or a focal point to landscape our gardens around.

But trees can also wreak all sorts of havoc if they’re standing too close to your property or left to grow out of control. Snapping branches, fallen trees and subsidence caused by tree roots drying out the surrounding land could cause extensive and costly damage to your home.

Find out how John Lewis Home Insurance can help cover the costs of damage, and learn what steps you can take to protect your home.

Are you covered for tree damage?

John Lewis Buildings Insurance covers damage to your home caused by falling trees and branches as standard. 

We also provide alternative accommodation if your home needs to have repairs authorised by your insurer.

Do trees affect your home insurance?

Having trees nearby won't automatically raise your premium, but underwriters may evaluate them to assess the potential risk of damage or subsidence. The impact of surrounding trees and history of subsidence could adjust your premium, affect eligibility, or have no impact at all.

Properties with a history of subsidence (downward movement of the ground causing structural damage to your property) or trees that have a height greater than the distance they stand from your home, are examples of some higher-risk scenarios.

What to do if a tree damages your home

Structural damage caused by falling trees, heavy branches or significant subsidence could make your home uninhabitable.

If a tree falls on your home, you should evacuate immediately. Similarly, if a branch heavy enough to cause visible structural damage falls, you should leave the property. Should your home be unsafe to re-enter, contact your insurer so they can arrange alternative accommodation while the damage is assessed.

What to do if a neighbour's tree damages your home

It is unlikely you’ll be able to claim against a neighbour's insurance policy, even if it's their tree which causes damage to your property. That is unless your neighbour was in some way negligent.

If you're concerned about potential damage from a neighbour's tree, speak to them about your concerns and trimming any over hanging branches that could impact your property. It's also important to check if there is a Tree Preservation Order (TPO) in place as trimming where a TPO is in place could result in legal action.

If the tree is dangerous or causing damage already, you can apply through the council or civil courts to take enforcement action. However, it’s always best to talk to your neighbour first if you’re worried about a tree on their property.

Trees and subsidence

Not all tree damage is caused by falling trees or branches. If you have trees growing near your home, they could be causing damage you can’t see.

Subsidence often occurs when trees absorb too much water from the soil, causing the earth to dry out and shrink. This can cause your property’s foundations to sink, leading to costly, structural damage.

Cracking walls and sinking floors can both be signs of subsidence. If you have any concerns about the structure of your property, contact your home insurer immediately.

Which types of trees can cause subsidence?

Ash, willow, elm, poplar and oak trees are all known for causing subsidence issues as they soak up a great deal of water.

If you’re concerned about subsidence, it might be worth asking a landscaper to install a root barrier, giving your home some added protection.

How can I get a home insurance quote with John Lewis Money?

You can get a quote for home insurance with John Lewis Money to cover your home and your belongings. Not only are our Gold, Silver and Specialist home insurance policies five-star rated by Defaqto, but our different levels of cover can be tailored to suit your property. Plus, our Specialist Home Insurance, brought to you by Covea Insurance, is specifically designed for high-value contents & homes, or unique homes.

Terms, policy limits, excesses and exclusions apply.

This article is for promotional or information purposes only. You must not rely on it as advice.