House Building Insurance - Trees covered???
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A feature of my property is that it has some mature large trees in the garden. Varying heights and distances from the building. I declared these as best I could last time I renewed the buildings insurance policy with Property Expert. In the belief that having made the declaration [and the declaration having been accepted and the corresponding premium charged] I would be covered in the event of damage in connection with said trees. Not so apparently. Only under quite a bit of cross examination from myself were they willing to reveal that cover would only apply in the event of a tree coming down and damaging the building in a "storm" - a storm being defined as minimum force 10, which is going places. If it's merely a force 9 "gale", tough luck. It makes obvious sense to enquire if all insurers take such a tough line on "tree risks". Does anyone have any ideas?