Does Home Insurance Cover Tree Roots?

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   Mark Bartlett CLCS

   Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers

   Homeowners insurance does not cover tree roots. There is no coverage for removal and no coverage for damage caused by tree roots. Damage to your dwelling must be sudden and accidental. Tree roots cause problems over a long period of time and in most cases the problem is evident way before it becomes a big issue. A tree is nothing more then a plant that should be maintained by the homeowner. I suggest discussion the specific details of the tree root problem with your local agent.

   Answered on May 2, 2013

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