Why are insurance companies focused on trees overhanging your house?

Insurance companies are concerned about trees overhanging your house because of the potential risks they pose. If a tree is too close to your home, it could cause damage in various ways. For example:

1. Falling branches or trees: During storms or high winds, large branches or even the entire tree could fall, damaging your roof, windows, or siding.
2. Root damage: Tree roots can grow under your foundation and cause cracks, leading to structural damage. They can also interfere with plumbing or septic systems.
3. Debris accumulation: Leaves, twigs, or even whole branches can clog gutters, which can cause water damage to your home if it’s not properly managed.

Insurance companies often want to minimize the risk of claims, and trees overhanging a home are seen as a potential hazard that could result in costly damage. That’s why they may ask homeowners to trim trees or, in some cases, remove them if they’re deemed too risky.