Got a letter from your insurance company about your trees?
You need a Certified Arborist, not a chainsaw.
Tree evaluations performed by credential arborist, designed specifically for homeowners.
Insurance companies are flagging trees using satellite imagery and threatening to drop coverage if you don't act.
Before you cut anything, get a professional evaluation that protects your trees, your property, and your policy.
Not all Certified Arborists are qualified to write the kind of report that matters here. There's a difference, and it's one worth understanding before you hire anyone.
Before removing a tree, get a professional evaluation.
Get the facts first.
Homeowners are caught in the middle of an insurance crisis
It's not your imagination. Insurance carriers are using aerial and satellite imagery to identify trees they consider a liability, then requiring action or dropping coverage altogether. Here's what's actually going on.
The Problem
What your insurance company sees
A satellite image. A proximity calculation. An algorithm. Carriers are flagging trees based on overhead photos with zero understanding of species, actual structural condition, or real-world risk. You get a letter, a deadline, and no guidance on what to actually do.
The Risk
Why guessing wrong is expensive
Cutting a healthy tree is money wasted and value lost. Keeping a genuinely hazardous one is a real liability. Acting without documentation leaves you exposed on both fronts. Many municipalities also require a documented professional evaluation before issuing a tree removal permit; acting without one can create legal complications on top of insurance headaches.
"Insurance Sees This" vs "What We See"
The Solution
A professional report changes everything
A written tree risk assessment, grounded in ANSI A300 Standards and the established tree risk assessment methodology, gives you exactly what your insurance company needs to see. It documents the actual condition of your trees, assigns a defensible risk rating, and gives you a professional recommendation you can act on with confidence.
You have more standing than you think
Insurance companies respond to professional documentation. A credentialed, independent report from a qualified evaluator with no financial interest in removing your trees carries real weight. Many homeowners who present proper documentation can retain coverage and keep trees that the carrier would otherwise have required to be removed.
Our Process
What a TreeCheckUp® Evaluation Actually Looks Like
We don't show up with a clipboard and a sales pitch. This is a thorough, documented assessment of every tree in question — conducted by a Qualified Tree Professional with the credentials and training to back it up.
We evaluate each tree in person, structure, species, root zone, proximity to targets, and visible conditions of concern. No assumptions, no satellite guesswork. Everything is documented with photography and detailed field notes.
Qualified tree risk assessment
Using the established tree risk assessment framework, the same methodology referenced in legal proceedings, municipal planning, and expert testimony, we assign a defensible risk rating to each tree, evaluating the likelihood of failure, the likelihood of impacting a target, and the potential consequences.
Written report grounded in ANSI A300 Standards and Best Management Practices
You receive a professionally written report, formatted to industry standards and suitable for submission to your insurance carrier, a municipality, or any other authority requiring documentation. It includes condition findings, risk ratings, and our professional recommendations.
Clear, actionable recommendations
We tell you exactly what we found and exactly what we recommend, whether that's routine pruning, structural support, continued monitoring, or, when genuinely warranted, removal. You'll know the reasoning, and you'll have documentation to support whatever path you choose.
Your report can be submitted directly to your insurance carrier
Our reports are formatted for professional use and carry the weight of credentialed, independent expertise. Many homeowners find this is all they need to satisfy their carrier's requirements, with their trees still standing.
Common Questions Homeowners Ask (FAQ)
Many do, particularly when the report is professionally formatted, credentialed, and addresses their specific concerns directly. A documented professional assessment is substantially more persuasive than no documentation at all. Many carriers reverse course when presented with a proper independent evaluation from a qualified tree risk assessor.
Many municipalities require a documented professional evaluation before issuing a tree removal permit. TreeCheckUp® reports are formatted to meet that need, grounded in recognized industry standards including ANSI A300 and ISA Best Management Practices, giving local authorities what they need to make a decision.
We'll tell you plainly. Our job is to give you an honest assessment, not to advocate for any particular outcome. If a tree presents genuine risk that warrants removal, our report will say so, along with the reasoning. We can also suggest reputable tree care professionals if work is needed.
Yes, and that's typically how we work. If your carrier has flagged several trees, we evaluate all of them in a single site visit and produce a comprehensive report covering each one. Pricing is based on the scope of the evaluation.
We understand that insurance deadlines are real. Reach out with your timeline and we'll do our best to accommodate it. In most cases we can schedule site visits within a week and deliver reports shortly after.
Tree companies remove trees, that's their business model. TreeCheckUp® evaluates trees independently, without any financial stake in what gets cut. An arborist employed by a tree service has an inherent conflict of interest. Our recommendations are driven by what we actually find on-site, not by what generates billable work.
If you have the letter from your insurance company, have it on hand, or forward it to us in advance. It helps us understand exactly what they've flagged and what their stated concerns are, so we can address them directly in the report.
A tree risk assessment is a systematic, professional evaluation of a tree's structural condition, the likelihood it could fail, and the potential consequences if it did. TreeCheckUp® conducts Level 2 ground-based visual inspections in accordance with ISA Best Management Practices and ANSI A300 Part 9 standards, resulting in a written report with a defensible risk rating.
Yes. TreeCheckUp® reports are professionally formatted and prepared by credentialed, independent experts. They are suitable for submission to insurance carriers, municipalities, attorneys, and other parties requiring documented professional evaluation of tree risk.
TreeCheckUp® is an independent evaluation firm, we do not sell tree work, perform removals, or contract with crews. Our team of Qualified Tree Professionals, led by a Board Certified Master Arborist and Certified Urban and Community Forester, provides objective assessments with no financial interest in the outcome. Not all Certified Arborists are qualified to write the kind of risk assessment report that carries weight with insurance carriers, qualification in tree risk assessment methodology matters.
Independent evaluation. No hidden agenda.
TreeCheckUp® doesn't remove trees, sell tree work, or contract with crews. We evaluate, and that independence is the entire point. When a tree service tells you a tree needs to come down, ask yourself: Who profits? Our job is to give you an honest answer.
We have no financial interest in what you decide
Whether the tree stays or goes, our fee is the same. That's what makes our recommendation worth something.
Our reports hold up to scrutiny
Written to ANSI A300 Standards and ISA Best Management Practices by a qualified tree risk assessor, our reports are the kind of documentation that insurance carriers, attorneys, and municipalities take seriously.
We understand trees
With over five decades of combined experience, our team of Qualified Tree Professionals understands how trees actually behave, their species characteristics, structural tendencies, and how site conditions influence risk. Not just how they look from above.
You get a real expert, not a sales call
Your evaluation is conducted by a credentialed Qualified Tree Professional — not an estimator looking for upsell opportunities. The person who signs your report is the person who walked your property.