Mortgage & Insurance Tree Reports
Trees can occasionally raise concerns during property purchases, mortgage applications, and insurance assessments. Lenders, insurers, surveyors, and homeowners may require specialist arboricultural advice where trees are located close to buildings or where concerns exist regarding subsidence, structural damage, or future tree-related risks.
Our Mortgage and Insurance Tree Reports provide an independent professional assessment of trees that may influence lending, insurance decisions, or property transactions. We deliver clear, evidence-based reports that help clients understand the actual level of risk and any recommended management actions.
Whether you are a homeowner, property purchaser, mortgage provider, insurer, loss adjuster, or solicitor, our reports provide reliable arboricultural guidance to support informed decision-making.
What Does a Mortgage & Insurance Tree Report Include?
Our reports typically assess:
- Tree species, size, age, and condition
- Proximity of trees to buildings and structures
- Potential influence on foundations
- Risk factors associated with subsidence or clay shrinkage soils
- Signs of tree-related structural damage
- Existing tree management requirements
- Recommendations for ongoing monitoring or remedial works
Each report is tailored to the specific concerns raised by the lender, insurer, surveyor, or property owner.
When Is a Report Required?
You may require a Mortgage or Insurance Tree Report when:
- A mortgage lender requests further arboricultural information
- An insurance company raises concerns regarding nearby trees
- A property survey identifies trees close to buildings
- Subsidence or heave has been reported or suspected
- A property transaction requires independent expert advice
- Tree-related risks need to be assessed before purchasing a property
Buying a house and the lender has asked for a tree report? Read our guide: My mortgage lender wants a tree report: what happens next?
Independent Arboricultural Advice
We provide impartial and objective assessments based on current arboricultural best practice and available site evidence. Our aim is to deliver practical recommendations that address concerns while avoiding unnecessary tree removal wherever possible.
Our reports are written in a clear and professional format suitable for submission to mortgage providers, insurance companies, surveyors, solicitors, and other property professionals.
Why Choose Us?
- Qualified arboriculturist (Royal Forestry Society Certificate in Arboriculture, with credit)
- Independent and unbiased reporting
- Clear, practical recommendations
- Reports usually within 10 working days, faster in an emergency
- Reports suitable for lenders, insurers, and property professionals
- Support throughout the property purchase and claims process
Turnaround and fees: reports are usually delivered within 10 working days, and urgent work can often be turned around faster. Every job is different, so fees are quoted individually. We aim to stay towards the lower end of industry rates, and quotes are always free.
If you require a Mortgage & Insurance Tree Report or would like to discuss a specific tree-related concern, contact us today for a free quotation.