UKTC Archive

RE: House insurance clauses

Subject: RE: House insurance clauses
From: Alastair Durkin
Date: Apr 11 2014 09:49:44
Sean, Isn't it reasonable to expect the insured to do all that is 
'reasonable' to prevent a tree from falling on the house? If not then our 
premiums would rocket. The insurance is there if the property is damaged, not 
as a pot of money to be used to prevent things from happening. That is what 
rainy day savings are for.

Alastair

adurkin@xxxxxxxxxx.gov.uk
www.tandridge.gov.uk
-----Original Message-----
From: Sean Davies [mailto:sdavies@xxxxxxxxxx.gov.uk]
Sent: 11 April 2014 08:03
To: UK Tree Care
Subject: RE: House insurance clauses

A recent incident we had in my area,
A mature (1.2m  dbh, 22m height) oak uprooted and slowly falling over onto a 
large house (you could see it moving), we managed to clear the tree before it 
impacted on the property.  Residents insurance will not pay out as it did not 
damage the property, if we had left it and let it go through the building no 
problem but because we solved the problem in good time.

Sean Davies
Arboreal officer
Neighbourhood Services
T: 01623 XXXXXX
E: sdavies@xxxxxxxxxx.gov.uk

Mansfield District Council
Civic Centre
Chesterfield Road South
Mansfield
Notts
NG19 7BH
W: www.mansfield.gov.uk

-----Original Message-----
From: conrad daniels [mailto:conradtrees@xxxxxxxx.co.uk]
Sent: 10 April 2014 16:15
To: UK Tree Care
Subject: Re: House insurance clauses

Is the insurance even fit for purpose with such constraints?
Notably the following...

Tree Height Clause

All trees you have declared to us must be maintained at the existing
height or less throughout the period of insurance.

I happily ticked the box answering no on my house insurance last year.
When asked if there were any 'too tall trees near my property'.
There are several trees present - none of which are 'too tall'!

However if this continues, would the Financial  Ombudsman Service hold
any sway for common sense to prevail, if this is their remit?

Hopefully.

On 10 Apr 2014, at 15:51, "Phillip Ellis" <elsteadbysea@xxxxxxxxxxx.com> 
wrote:

I have just been shown an insurance
company's house insurance clauses where trees are found close to
property.

If this becomes an insurance industry standard, going to produce a
lot of work and dare I say in many cases unnecessary


if the householder ticks the box. And what about TPO trees not so
easily pruned without gaining permission.



Tree Pruning Clause

A tree surgeon or similar professional must carry out the following
within 60 days of inception at your expense and triennially

thereafter:



. Inspect the trees to ensure that they do not affect the structure,
drains or sewers of the property insured.

. Prune or pollard the trees appropriate



Failure to comply with this condition may result in a claim in
respect of the perils Subsidence, Landslip and Heave not being

covered.



Tree Root Clause

It is a condition of this insurance that the insured, must appoint a
specialist contractor to carry out an inspection of the buildings

perimeter, to ascertain if any tree
roots close to the structure and
foundations of the property have or
could result in structural

movement to the building. This is to be completed at the insured's
expense within 60 days of inception and a copy of the report

to be provided to your broker for
agreement by us.

Failure to comply with this clause
within the timescale specified will
result in the immediate withdrawal of cover in respect of

Subsidence, Landslip and Heave.



Tree Height Clause

All trees you have declared to us must be maintained at the existing
height or less throughout the period of insurance.

Failure to comply with this clause may result in a claim in respect
of the perils of Subsidence, Heave or Landslip not being paid,

with cover in respect of Subsidence, Heave or Landslip being
withdrawn







Regards



Phillip Ellis



P please consider the environment - do you really need to print this ?






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