Do I need to document tree maintenance for insurance purposes?

If you're a homeowner in Calgary, you likely understand the importance of maintaining your trees for safety, curb appeal, and property value. But did you know that documenting your tree maintenance could make or break an insurance claim?

While insurance policies don’t always require you to document tree care, failing to do so could leave you vulnerable. Insurance providers may deny or reduce claims if they determine that damage resulted from neglect. That’s why consistent documentation, especially in a city like Calgary with strong winds, heavy snow, and specific bylaws, is a smart move.

Here’s why and how you should stay on top of tree maintenance records, and how Evergreen LTD can help you protect your investment.

Why Tree Maintenance Documentation Matters in Calgary

Insurance Doesn’t Always Cover Neglect

• Most homeowner insurance policies cover fallen tree damage if caused by a storm or other natural peril.

• But if your insurer believes the tree was already weak, rotting, or poorly maintained, your claim could be denied or reduced.

• You’re expected to meet a general “duty to maintain” standard.

Documentation Protects You from Liability

• If a tree on your property damages your neighbour’s house or injures someone, you could be held liable.

• In these situations, documented proof that you’ve maintained your trees can help defend you against third-party claims.

It Speeds Up the Claims Process

• Having an arborist report or photo log can support your position quickly, reducing delays with insurance adjusters.

• It shows that you were proactive, not reactive, in caring for your trees.

Contact Evergreen LTD for a professional tree inspection and maintenance log. We provide detailed reports that support insurance and legal documentation.

Calgary-Specific Regulations and Best Practices

Understand What the City Requires

• Calgary's Tree Protection Bylaws mostly apply to public trees, but neglecting a tree on your own property that poses a public hazard (e.g. overhanging sidewalk) can lead to bylaw violations or fines.

• Arborist reports and maintenance logs are not legally required for private trees, but they are highly recommended, especially near property lines or public walkways.

Insurance Adjusters Rely on Third-Party Reports

• In Calgary, insurers often request evaluations from ISA-certified arborists.

• Having Evergreen LTD on your side means you’re prepared with the right documentation before disaster strikes.

Need an arborist report for insurance? Book your assessment with Evergreen LTD today.

What to Document, A Checklist for Homeowners

Whether you're maintaining a 50-year-old spruce or managing a few young maples, here’s what you should be tracking:

1. Baseline Assessment

• Tree species, size, location, and condition.

• Notate any signs of damage, decay, or hazard.

2. Regular Inspections

• At least once a year, and after major weather events.

• Record findings and take photos.

3. Arborist Reports

• Especially for large trees, trees near structures, or trees showing signs of stress.

• These reports serve as expert third-party evidence.

4. Photo Records

• Dated and GPS-tagged images of the canopy, bark, and root area.

• Before and after pruning or removal.

5. Maintenance Log

• What was done, when, by whom, and why.

• Include pruning, fertilization, pest treatment, or removal work.

6. Contractor Documentation

• Save quotes, invoices, work orders, and receipts from certified arborists like Evergreen LTD.

7. Insurance Correspondence

• Any notices or warnings sent to or received from your insurer.

Pro Tip: Keep these records for as long as the tree is standing or until your next insurance renewal.

How Evergreen LTD Helps Homeowners Stay Covered

Evergreen LTD is Calgary’s trusted ISA-certified tree care provider. Our team provides:

• Professional arborist assessments

• Detailed inspection reports

• Maintenance plans tailored to your property

• Proper pruning, bracing, and removal services

We don’t only care for your trees, we help you stay legally and financially protected. Our documentation is insurance-ready, compliant with industry standards, and professionally backed.

Don’t wait for a storm to expose your liability. Get ahead with Evergreen LTD. Call us today or book your consultation online.

Limitations to Keep in Mind

While documentation is a strong defense, it’s not a guarantee of coverage. Be aware of:

• Strict policy wording: Some insurance policies have tight exclusions.

• Incomplete documentation: Vague or outdated records may not hold up.

• Changing insurers: Your next policy may not interpret past maintenance the same way.

Even so, having professional documentation gives you a significant edge in claims resolution and liability defense.

Be Proactive, Not Reactive

In Calgary’s climate and legal landscape, documenting your tree maintenance is your insurance backup plan. Whether it’s defending against a denied claim or protecting your neighbours from falling limbs, proactive tree care protects your property and your wallet.

If you’re unsure about the condition of your trees or whether your documentation is up to par, contact Evergreen LTD for expert guidance. We’ll inspect, assess, and provide everything you need to stay compliant and covered.