If you’ve opened the mail and found a letter from your insurance company saying you need to address a tree on your property, you’re not alone. After the storms and tornadoes we’ve experienced in the St. Louis area over the past year, insurance companies are keeping a closer eye on trees, especially ones that could pose a risk to homes and property.

Sometimes these notices come from satellite images, sometimes from a drive-by inspection. Either way, it’s their way of saying: “We’ve spotted something that might cause damage if left alone—and if it falls, your coverage could be at risk.”

 

That’s important because if a dangerous tree or limb is identified and you don’t take action, your insurance company may choose not to cover damage caused by it later.

 

How Long Do St. Louis Homeowners Have to Address a Problem Tree?

While every insurance company has its own policies, most give homeowners a specific time frame to address a hazardous tree once they’ve been notified, often anywhere from two weeks to 60 days. The exact timeline will be spelled out in the letter you receive.

 

This isn’t a “suggestion.” If the work isn’t completed within that window, the insurer may:

• Exclude that tree (or limb) from your coverage.
• Decline to renew your policy.
• Refuse a claim if damage occurs after the notice period expires.

 

That’s why addressing the identified issue is important, especially after severe weather when arborists in St. Louis, St. Charles, and surrounding areas can be booked out weeks in advance.

 

Steps to Take After Getting a Tree Notice in St. Louis or St. Charles County

1. Read the Letter Carefully
   • Look for any stated deadlines.
   • Note if the insurer is requesting removal or just pruning.
2. Call a Certified Arborist in St. Louis
   • Get a professional inspection to confirm whether the tree is hazardous.
   • Request a written report for your records—this protects you if the tree is healthy and doesn’t require work.
3. Document Everything
   • Take photos from multiple angles.
   • Keep all letters, estimates, and reports.
4. Schedule the Work Promptly
   • Even if your deadline is a month or more away, schedule right away—especially in peak storm seasons when crews are busy.
5. Notify Your Insurance Company When It’s Done
   • Provide photos or the arborist’s receipt to confirm the work was completed.

 

Neighborly Advice From Hansen’s Tree Service – Serving St. Louis & Surrounding Cities

We’ve noticed more homeowners in St. Louis, St. Charles, O’Fallon, Wentzville, and Chesterfield receiving these letters lately, and most are simply the result of insurers being proactive. A little timely maintenance now can go a long way toward avoiding headaches later.

 

Our certified arborists are here to help you understand your options, whether that means pruning to make a tree safe, complete removal, or confirming it’s in good shape. Whatever the outcome, you’ll have peace of mind knowing you’ve taken the right steps for your property and your coverage.

📞 Request a hassle-free inspection online at https://www.hansenstree.com/services/residential/free-tree-inspection/