Insurance Guide
What tree owners need to know about insurance and claims
Table of Contents
Tree Service Insurance Claim Guide
Tree work is inherently risky and often involves working near structures, power lines, and public areas. Insurance protects homeowners, commercial property managers, and tree service providers in the event of damage or injury.
With over 15 years of experience providing tree services across South Carolina, Niwaki Tree & Shrub has supported hundreds of clients through emergency response and insurance-related claims. Whether a tree has fallen during a storm or needs to be removed due to safety concerns, understanding how insurance coverage works is essential. This guide outlines what insurance typically covers, when policies apply, and how Niwaki Tree & Shrub helps clients navigate the claims process from start to finish.
When Insurance May Cover Tree Services
- Tree fell on a home, garage, fence, or vehicle
- Tree is blocking access to a driveway or main entryway
- Tree fell due to a storm, wind, lightning, or other sudden event
When Insurance Likely Will Not Cover Tree Services
- Tree fell without causing damage ✕ Removal is
- Removal is preventative or for aesthetics
- Tree was dead or diseased and not properly maintained
How Niwaki Tree & Shrub Supports Your Insurance Claim
- Fast response during emergencies
- Clear, detailed estimates for your insurance adjuster
- Written documentation of cause (storm, disease, decay)
- Photos before and after service
- Direct communication with adjusters if needed
Whether you’re a homeowner in Rock Hill or a property manager in Charleston, we’ll ensure your insurance claim process is as smooth as possible.
What You Should Ask Your Insurance Provider
Before filing a claim or booking service, ask:
- Does my policy cover fallen tree removal?
- Is there a coverage limit or deductible for this type of claim?
- Will removal of non-damaged trees be reimbursed if they pose a future risk?
- Do I need pre-approval before hiring a contractor?
Ready To Hire A Tree Specialist?
We Work With Property Managers, HOAs & Developers
For commercial clients, we provide written estimates, COI (Certificate of Insurance), W-9s, and service contracts tailored to your project needs. Whether it’s emergency storm response, routine pruning, or large-scale removals, our team is experienced in managing both short-notice claims and scheduled tree work tied to insurance requirements.
Need Help with a Claim or Tree Emergency?
Contact Niwaki Tree & Shrub for reliable, insured tree services across South Carolina. Whether you’re managing a residential claim or coordinating a commercial removal, the team is here to help every step of the way.
Residential Tree Services
- Natural Organic Fertilization
- Speciality Large Upperstory Pruning
- Disease Management
- Pest Management
- Bimonthly inspections of all plants
Commercial Tree Services
- Pest and Disease Management
- Custom Feeding Programs
- Restoration – Crown Thinning
- Pest Management
- Preservation – Crown Lifting
- Tree Pruning / Tree Trimming
- Tree Cutting
- Emergency Tree Removal
Service Areas
- Rock Hill, SC
- Fort Mill, SC
- Charlotte, NC
- York, SC
- Lancaster, SC
- Catawba, SC
- Matthews, NC
- Tega Cay, SC
- Pineville, NC
- Waxhaw, NC
Contact Us
Office: 3317 Williamson Rd., Rock Hill, SC 29730
Phone: 803-366-3296, 704-980-9516
Email: niwaki.tree@gmail.com
We are open: Monday – Saturday 7 AM – 7 PM