Pre-Loss
Tree Risk Assessment for Florida Homeowners
Diseased trees, overhanging limbs, and shallow roots cause covered-but-preventable claims. Annual tree walk protects your home and your claim.
Diseased trees, overhanging limbs, and shallow roots cause covered-but-preventable claims. Annual tree walk protects your home and your claim.
Pre-loss
Why this matters before you have a claim
Trees that fall on your home are covered. Trees your neighbor knew were diseased and failed to act on may be their liability. Proactive tree management prevents claims and documents negligence if a neighbor's tree does fall.
What to do
The basics
- 01
Step 1
Annual tree walk around your property
- 02
Step 2
Photograph any at-risk trees
- 03
Step 3
Note neighboring trees leaning toward your property
- 04
Step 4
If neighbor has diseased tree, send certified letter
- 05
Step 5
Keep arborist reports if you commission any
- 06
Step 6
Trim before hurricane season
Free claim review
Get a free claim review from a licensed Florida public adjuster.
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Know the traps
Common mistakes
- XAssuming neighbor liability is automatic (it requires proof of negligence)
- XNot documenting diseased neighbor trees in writing
- XWaiting until after a storm to assess
When to seek professional help
If this topic intersects with an open claim or if you have questions that go beyond prep, a licensed Florida public adjuster can review your policy at no cost.
No obligation. No fee unless recovery.
Annual policy review? Open claim? Free consultation.
Licensed Florida public adjuster.
Know the law
Related statutes
FS 626.854 Public Adjuster Licensing
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Homeowner Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
Free claim review
Still building your claim? We can help right now.
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Go deeper
Related resources
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Free claim review
Your policy says more than you think. Find out what you are actually owed.
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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