Mortgage & Insurance Tree Reports
Clear, defensible tree reports for lenders and insurers — focused assessments that confirm risk, condition and whether intervention is needed.
Property purchases and insurance queries often raise questions about nearby trees. A Mortgage or Insurance Tree Report provides the evidence lenders and insurers need and gives homeowners a straightforward, proportionate understanding of any real risk.
When lenders or insurers raise questions, clarity avoids delays
Concerns about tree proximity, size or potential movement can stall a mortgage offer or complicate an insurance claim.
A focused assessment shows whether the tree poses low risk, manageable risk or requires further action — keeping the process moving.
What is a Mortgage & Insurance Tree Report?
A Mortgage & Insurance Tree Report evaluates whether trees pose a risk to:
- buildings and foundations
- driveways, hard surfaces or retaining structures
- underground services
- drainage systems
- structural stability (windthrow, decay, defects)
The assessment includes:
- species, age and condition
- vitality and structural integrity
- proximity and root protection considerations
- soil behaviour (particularly shrink–swell clays)
- likelihood of tree-related damage
- proportionate recommendations
Reports are formatted for acceptance by lenders, surveyors, insurers and conveyancers.
The Mortgage & Insurance Tree Report process
| Step | Description |
|---|---|
| 1. Initial Review | Send the lender or insurer request and property details. |
| 2. Site Assessment | Inspection of the tree, its condition and its relationship to structures. |
| 3. Diagnosis | Risk classed as low, moderate or high with justification. |
| 4. Recommendations | Proportionate maintenance or monitoring guidance. |
| 5. Reporting | A lender- and insurer-ready report issued promptly. |
We keep guidance clear and planning-ready — supporting predictable project delivery.
Our Approach
Evidence Based
Clear diagnosis rooted in arboricultural and structural principles.
Measured
Recommendations aligned to real, not hypothetical, risk.
Lender & Insurance Ready
Reports structured for immediate acceptance.
Balanced Outcomes
Tree value, property safety and long-term management all considered.
Why this matters for lending and insurance
Mortgage lenders and insurers assess risk differently from planners.
They want clear evidence that a tree:
- is stable
- is unlikely to cause structural issues
- will not significantly increase risk over time
- can be managed proportionately
- does not pose foreseeable hazards
- reduce loan offers
- request further surveys
- delay approval
- impose conditions
A clear tree report keeps the process straightforward and predictable.
Do I Need this Report?
You likely need a mortgage or insurance report if:
- a homebuyer survey has flagged “tree proximity”
- your lender requests a tree report before issuing an offer
- your insurer queries the risk of subsidence or storm failure
- a neighbouring tree is raising concern
- cracks have appeared and need evidence-based explanation
- you are buying or selling a property with mature trees nearby
- the property sits on clay soil
This report provides the clarity lenders and insurers require.
What your Mortgage & Insurance Tree Report includes
A concise, defensible assessment tailored to lender and insurer expectations:
- species, age, height and crown spread
- proximity to structures and foundations
- rooting environment and soil behaviour
- vitality, defects, decay indicators and structural stability
- risk of direct or indirect damage
- realistic maintenance recommendations
- clear conclusion on risk level
- proportionate next steps
Case Note
The homebuyer report suggested “possible subsidence risk.” Assessment found no crack patterns associated with shrink–swell behaviour and no drainage defects. Species characteristics and soil indicators were reviewed, with overall risk classed as low. The lender accepted the report, and the mortgage progressed without further conditions.
Your Next Step
Need a Mortgage or Insurance Tree Report?
Share your details and we’ll confirm exactly what’s required.
Phone: 0800 494 7479
Email: [email protected]
Mortgage & Insurance Tree Report FAQs
Do lenders always ask for tree reports?
Not always. It depends on proximity, species and soil type.
Which trees concern insurers?
Large, high water-demand species near structures on shrink–swell soils raise queries most often.
Will this affect mortgage approval?
Clear evidence usually resolves lender concerns quickly.
Can a healthy tree still cause problems?
Possibly. Species behaviour and soil conditions matter as much as condition.
Are cracks always caused by trees?
No. Many relate to thermal movement or drainage issues.
Do insurers require removal?
Only when evidence clearly supports it. Most cases involve routine maintenance.
Does pruning reduce risk?
Often, yes. It depends on species and structural context.
How long is the report valid?
Typically 12 months, depending on the tree’s condition.
Can neighbour’s trees affect our property?
Yes. The report can include them where relevant.
What information helps before the visit?
Photos, mortgage or insurer instructions, and the site address.
