A tree too close to the roof can put a home insurance renewal at risk. We fly the property, measure every tree near the house, and hand you the map while there is still time to trim.
Request a tree map
Every tree near the house gets a number on the map and a line in the report.
| Tree | Height | Trunk to roof | Over the roof | Could reach the house |
|---|---|---|---|---|
| 1 | 55 ft | 13 ft | 2 ft | Yes |
| 2 | 40 ft | 17 ft | None | Yes |
| 3 | 45 ft | 18 ft | None | Yes |
| 4 | 40 ft | 47 ft | None | No |
| 5 (neighbor's side) | 50 ft | 20 ft | None | Yes |
“Could reach the house” means the tree is taller than its distance from the house. It is a measurement, not a prediction that the tree will fall.
Insurers use aerial images when they decide whether to renew a home policy. The first warning is the notice itself, and by then the clock is running. Texas requires 60 days’ notice of a non-renewal on policies bought or renewed since 2024.
One Austin homeowner was told her trees had grown too close to the roof and that her policy would not renew unless she trimmed them. She paid $3,000 to have them pruned, and her insurer agreed to renew days before the policy expired.
Sources, checked November 6, 2026:
The sooner before renewal, the more time there is to trim or remove.
An FAA Part 107 pilot flies LiDAR and photos. Nobody climbs anything.
Reviewed by our team, then delivered online to view, download, and share.
See it and handle it before an insurer raises it.
Bring the facts to the renewal conversation ahead of time.
A dated, measured record of the trees to refer back to after a loss.
Current measurements on a property, in place of an old photo.
We measure and map. We do not judge tree health, and we do not decide coverage. An arborist checks the tree. Your insurer decides the renewal.
Tree already down on a roof? That is a different flight: fly it before it is removed. For a claim already open, see aerial documentation for insurance claim files.
It happens. KUT News reported in May 2025 that an insurer told an Austin homeowner her trees had grown too close to the roof, and that it would not renew unless she trimmed them. What an insurer looks at differs by company and by state, so ask your agent.
It depends on the state. In Texas, the Department of Insurance says a company must give 60 days' notice of a non-renewal on home policies bought or renewed since January 1, 2024, and must give the reason if you ask.
Each tree near the house gets a number, a height, the distance from its trunk to the roof, how far its branches reach over the roof, and whether it is tall enough to reach the house.
No. lossmap measures and maps. It does not judge the health of a tree or the chance that it falls, which is an arborist's call, and it does not decide coverage, which is the insurer's.
No. The insurer decides. The map shows where the trees stand and how they measure, in time to trim or remove before the decision is made.
Homeowners, insurance agents, adjusters, and carriers. As with every lossmap order, whoever orders confirms they own the property or have the owner's permission to have it flown.
Every job is quoted after review. Tell us the address and when the policy renews, and we send a quote before anything is flown.
Tell us the address and when the policy renews. We review the job and send a quote.
Request a tree map