It often does if a tree or branch suddenly damages the insured building. Removal costs and damage to fences or garden structures can have different limits.

Checking large trees before they fail

• Have dead or dangerous branches assessed.
• Check large trees after major storms.
• Do not ignore a new lean, split branch or obvious decay.

Before arranging tree work

• Check whether a tree preservation order applies.
• Use a competent arborist for large or difficult trees.

Look at tree damage and removal costs

Look for damage from falling trees and branches, then check whether tree removal, fences and outbuildings are included.