Trees and home insurance

Stegor

I have three overgrown trees on land next to my house (two leylandii 14m and a Sycamore 11m). I have had an Arboricultural survey completed which advised removal of all three, it also states there will be no chance of heave. The land owners have given permission for removal as long as we pay. Does anyone know if I need to inform my house insurance before removal just in case heave does occur in the future? Thanks for your time.

Robin9

You may well need Planning Permission

Stegor

Why would I need planning permission to remove trees? 

daveyjp

You need to ensure they aren't protected in any way.  If they aren't they can be removed, if they are you will need permission to remove them.

Stegor

There is no TPO. The leaseholders of the land are supposed to maintain the trees as part of their lease which they have ignored and the freeholder isn't interested. The survey said there will be a risk of direct damage from the Sycamore in the future and the leylandii should be removed as they will just continue growing and don't belong in the urban environment. I just need to know if I need to inform my house insurance as I have informed them that I have trees over 10m within 5 m of the house and once they are removed I won't have, is this a material change they need to be informed of? Thanks.

gwynlas

For your own piece of mind you can inform insurer that thte trees previously mentionned have now been removed.

They are not on your land so your insurance will be unaffected

MyRealNameToo

Some insurers ask if you have trees over Xm tall within Ym of your buildings. If yours are one of these then you should inform them once they are removed. If not then there is no need to inform them unless you have a high net worth style policy where a survey was done before cover issued and therefore the trees may have been noted despite you not having been asked.