Unmaintained Trees Can Lead to Expensive Insurance Problems.

Trees are a beautiful part of any property—they provide shade, increase curb appeal, and even help reduce your energy bills. But if they’re not properly maintained, those same trees can turn into major liability—especially when it comes to your homeowner’s insurance.

At RPM Construction LLC & Tree Service Company, we’ve seen too many homeowners face denied claims or canceled policies simply because they didn’t know how close is too close when it comes to trees and their home. Here's what you need to know.

Insurance Companies Are Getting Tougher on Tree Maintenance

Insurance providers have become stricter in recent years. Many now require trees to be trimmed back at least 10 feet from any covered structure—including your house, garage, or shed. If you ignore this and a tree damages your property, you could be left footing the bill.

Worse still, some insurance companies may cancel your policy altogether if they deem your trees to be a hazard.

Common Tree-Related Hazards Insurance May Not Cover:

Unmaintained trees can cause serious damage—and unfortunately, not all of it is covered by insurance. Some of the most common issues include:

• Fallen branches on roofs, vehicles, or fences

  
  

• Full tree collapse during storms

  
  

• Roots damaging foundations or plumbing

  
  

• Mold or water damage from clogged gutters

  
  

• Fire risks from dry or dead trees too close to the home

If the tree was clearly dying or dangerously overgrown, the insurance adjuster may rule the damage as preventable—which often leads to a denied claim.

Beware of Fly-By-Night Tree Cutters

When insurance deadlines loom, many homeowners rush to get help—but unfortunately, not all tree service providers are reliable. We've heard from clients who waited weeks for quotes that never came, or worse, hired someone who started the job and never came back.

RPM Construction LLC & Tree Service Company is different. We show up, we assess, we quote, and we get the job done—safely and professionally. No guessing, no ghosting.

How to Stay ahead of Insurance Issues

Want to protect your property and your insurance coverage? Follow these simple steps:

• Have your trees professionally inspected once a year

  
  

• Trim back any branches within 10 feet of your home or garage

  
  

• Remove dead, dying, or leaning trees immediately

  
  

• Keep records and receipts of all maintenance work

  
  

• Being proactive can save you from costly repairs—and keep your insurance coverage intact.

Final Thoughts: Your Trees Should Be an Asset, Not a Liability

Don’t wait for a letter from your insurance company—or worse, a storm—to deal with your trees. With proper maintenance, you can enjoy the benefits of your landscape without the risks.

Whether you need a full tree removed, limbs trimmed back, or an expert opinion on what’s safe, Coffee Springs RPM Construction is here to help.

We take pride in delivering safe, affordable, and reliable service — every single time. With advanced equipment, trained crews, and full debris cleanup, you can count on RPM Construction LLC & Tree Service Company to get the job done right.

How It Works

1. Schedule your free on-site estimate.

2. Mention this 10% New Customer Discount.

3. Get professional tree service at a great value — with no hidden fees.

Our goal is to provide professional, safe, and affordable tree removal/stump grinding for every customer — with honest pricing, full cleanup, and no hidden fees.

Serving: Geneva, Coffee, Covington, and Houston Counties, Alabama.

New Customer Special — Get 10% Off Your First Service!

Call for your FREE evaluation:

Danny 334-379-0405

John 334-360-1248