Who is insured for what, and how to pay
Our coverage, your coverage, and the ways people pay for a large removal nobody budgeted for.
The coverage our crews carry
Every crew on a Georgetown Tree Co. job is covered by general liability and workers' compensation policies written for tree work itself. Climbing, rigging and crane work are included. A landscaping policy that carves them out wouldn't do.
Texas makes workers' comp optional, so many crews go without it. That makes it matter more here than elsewhere. If a climber is injured on your property and has none, the cost can fall on you. Before every job starts, we send you a certificate of insurance. We'll name you on it if you'd like.
What your homeowners policy pays
When a tree falls on a covered structure, a standard Texas policy pays for the tree's removal and the structure's repair. Debris removal gets a capped allowance. A tree that came down in the yard without hitting anything is generally not covered. Preventive removal never is.
On our invoices, removal-from-structure and cleanup sit on separate lines, so your adjuster can apply each one correctly. We photograph everything before touching it. The insurance guide covers the rest.
Ways to pay
Most home jobs get paid when the work is done. Pay by check, card or bank transfer. You owe no deposit until you've approved the written price and the job is scheduled.
Some jobs run bigger: a large crane removal, cedar cleared off a whole lot, an HOA's line of dead cedar elms. For those, financing is available through a third-party lender, subject to credit approval. Options include 12-month same-as-cash and longer fixed-rate plans. Bring it up at the estimate. The terms are written out for you before anything gets signed.
Written arborist opinions
A buyer, an insurer, the city or an HOA may want a tree assessed on paper. The usual questions: hazard or not; dead or fatally diseased, which waives Heritage Tree mitigation; oak wilt or not; remove or keep. Our ISA Certified Arborist puts the answers in writing. The fee is small and comes off the bill for any work we then do.