A Tree Fell On My Car! Expensive Insurance Problems-What Next?

Oh NO! Tree fell on my car! Trees are one of the most beautiful features of a property. They provide shade, privacy, and curb appeal. But when not properly maintained, those same trees can become a major liability—and possibly a very expensive one.

If you’re a homeowner, especially in areas with frequent storms or high winds, it’s important to know how untrimmed or unhealthy trees can impact your insurance coverage, claims, and even your eligibility to be insured at all.

Let’s break down why tree maintenance isn’t just about landscaping—it’s about protecting your home, your finances, and your peace of mind.

Trying to Save Money? It Might Cost You More

We get it—tree trimming and removal can feel like an unnecessary expense, especially if everything looks fine from the ground. But here’s the truth:

Skipping regular tree maintenance to “save money” can end up costing you far more.

If a branch—or worse, an entire tree—falls on your home, vehicle, or a neighbor’s property, the damage can be catastrophic....If your insurance company determines that you failed to properly maintain the tree, they could deny your claim. That leaves you paying out of pocket for repairs, liability claims, or even legal action.

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.

Some policies will even be canceled if your trees pose a risk. You may receive a letter demanding the removal of trees within a certain timeframe—or face non-renewal of your coverage.

Common Tree Hazards That Affect Insurance

When trees are not routinely maintained, they can cause major problems, including:

• Fallen limbs damaging roofs, fences, or vehicles
  

• Uprooted trees collapsing onto homes during storms
  

• Blocked gutters leading to water damage and mold
  

• Tree roots cracking foundations or underground plumbing
  

• Fire hazards from dry, dead branches close to the home

  
  

And remember, insurance adjusters look for signs of neglect. If the damage could have been prevented with basic care, your claim may be rejected.

My Real-World Example:

I was having a new roof put on and had moved my car out of the garage to let the contractors store their trailer and roofing materials. That night, a massive pine limb broke off and came crashing down — right on top of my car.

The result?

• Thousands of dollars in damage
  

• A high insurance deductible
  

• A rental car for 3 weeks
  

• A total out-of-pocket cost of $2,500

  
  

All because I didn’t get around to trimming a tree I knew was hanging too close to the driveway. If I had taken care of it earlier, I could’ve avoided all of that stress and expense. The bottom line: Tree maintenance costs less than tree damage.

Don't make the same mistake I did.

Call RPM Construction LLC& Trees Service Company — they’ll take care of hazardous trees before they become expensive problems.

"This tree limb caused $2,500 in damage to my car — all because I delayed tree maintenance.

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