Understanding Your Protections After Tree Damage

Right to Choose the Contractor

• You (the insured) can choose any licensed contractor you want to perform emergency tree removal.
• The insurance carrier cannot force you to use “their vendor” or a cheaper company if you’re not comfortable.
• If they recommend someone, it’s just that—a recommendation, not a requirement.
  

Right to Reasonable & Necessary Emergency Work

If a tree falls on your home, driveway, or structure, the insurance policy typically covers reasonable and necessary costs to remove the immediate hazard.

That includes:

• Tree removal from the structure (crane, rigging, labor, and night work if urgent).
• Mitigation to prevent further damage.
• The carrier cannot deny legitimate emergency rates just because they are higher than non-emergency prices.
  

Right to Have the Contractor Work Directly With the Carrier

• Companies like Down To Earth Tree Service bill directly to the insurance carrier.
• This means you don’t have to pay upfront and then wait for reimbursement.
• You also have the right to not be stuck in the middle of technical arguments about rates and invoicing—the contractor can handle that.
  

Right to Full Policy Benefits

• Your insurer owes you the full cost of covered emergency services, not just a portion.
• They must pay what it reasonably takes to mitigate the loss—even if it’s more than what they “estimate” in Xactimate or with comparables.
• If there’s a dispute, you have the right to appeal or provide contractor documentation.
  

Right to Fair Claims Handling

• By law, carriers must handle claims fairly, promptly, and in good faith.
• They cannot delay payment unreasonably, undervalue the emergency service, or pressure you into using a low-bid provider.
• If they do, you have the right to escalate (state insurance department, appraisals, or legal remedies if necessary).
  

Right to Contractor Advocacy

• A reputable contractor (like Down To Earth) can negotiate directly with adjusters on your behalf.
• You have the right to let them explain why cranes, emergency rates, or minimum charges were necessary, so you’re not left arguing with your insurer alone.