Homeowner Tree Risk Mitigation & Annual Protection Program
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Identify. Mitigate. Document. Protect.
Identify and Correct Tree Hazards Before They Become an Insurance Claim.
ArboBella’s Homeowner Tree Risk Mitigation Program is designed to help homeowners proactively identify potentially hazardous trees and address risks before they contribute to property damage.
Homeowners receive professional documentation of completed tree-risk mitigation that they can provide to their insurance agent for review.
How the Program Works
1. Initial Tree-Risk Assessment
An ISA Certified Arborist evaluates trees on the property that may pose a risk to:
Homes and other structures
Roofs
Vehicles
Driveways
Fences
Utilities
Other property targets
The assessment documents the tree conditions, potential targets, observed risks, and recommended corrective actions.
2. Tree Risk Mitigation Report
The standardized report identifies relevant trees by:
Tree number
Common name
Approximate DBH
Approximate height
Location
Condition
Potential target(s)
Risk observations
Recommended action
Risk Categories May Include
Risk 1 — Dead or Declining Tree
Significant deadwood, decline, or deterioration with potential target exposure.
Risk 2 — Structural Defect
Included bark, major cavity, codominant stems, significant decay, weak attachments, or other structural concerns.
Risk 3 — Structure/Roof Exposure
Tree or significant limbs positioned over or near a dwelling or other property target.
Risk 4 — Storm Vulnerability
Dead limbs, weak attachments, excessive end weight, storm damage, or other conditions that may increase failure potential.
Risk 5 — Completed Mitigation
Specific corrective work completed to address the identified risk.
3. Professional Mitigation
ArboBella provides recommended tree-care services based on the identified conditions, which may include:
Structural pruning
Hazardous limb removal
Deadwood removal
Clearance pruning
Tree removal
Storm-damage mitigation
Other appropriate risk-reduction measures
All recommended work is documented.
4. Before & After Documentation
For qualifying mitigation work, ArboBella documents:
Before
Photograph
Tree number
Location
Identified hazard
Recommended corrective action
After
Photograph
Date completed
Work performed
Final condition
Supporting arborist documentation
This creates a clear record of the property’s condition before and after mitigation
5. Final Inspection
Following completion of the recommended mitigation, an ISA Certified Arborist conducts a final inspection.
The final inspection verifies that the documented mitigation work was completed and records the property’s updated tree-risk condition.
6. Tree Risk Mitigation Certificate
Upon successful completion and final inspection, an ISA Certified Arborist issues and approves the Tree Risk Mitigation Certificate.
The certificate documents:
Property information
Date of assessment
Trees evaluated
Identified risk conditions
Recommended mitigation
Work completed
Final inspection
Arborist credentials
Certification date
Insurance Documentation
The homeowner can retain the completed documentation package and provide it to their homeowners insurance agent or carrier for review.
ANNUAL TREE RISK PROTECTION SERVICE
Stay Protected Year After Year
Trees change over time. Storms, disease, decay, growth, and structural changes can create new hazards even after a property has been evaluated.
ArboBella offers an Annual Tree Risk Protection Service to help homeowners maintain ongoing documentation of their property’s tree conditions.
01.
Annual Tree-Risk Review
An ISA Certified Arborist evaluates previously identified trees and identifies significant changes or newly developing risks.
02.
Updated Risk Documentation
The property report is updated to reflect changes in tree condition, location, targets, and recommendations.
03.
Preventive Recommendations
Homeowners receive recommendations for appropriate preventive tree care before conditions become more serious.
04.
Annual Photo Documentation
Updated photographs provide a year-to-year record of significant tree conditions and completed mitigation.
05.
Priority Scheduling
Annual program customers receive priority consideration for qualifying preventive tree work and storm-related services, subject to availability.
06.
Updated Mitigation Documentation
When recommended work is completed, ArboBella updates the property’s documentation and provides records of the completed mitigation.
Why Join the Annual Program?
Protect Your Property
Identify developing tree hazards before they become costly property-damage events.
Stay Ahead of Storms
Address hazardous limbs, declining trees, and other conditions before severe weather arrives.
Maintain Documentation
Keep an organized record of tree-risk assessments and completed mitigation work.
Support Your Insurance Review
Provide your insurance professional with current documentation when requested or appropriate.
Plan Instead of React
Move from emergency tree work to proactive property maintenance and risk reduction.
YOUR HOME. YOUR TREES. YOUR DOCUMENTATION.
Annual Tree Risk Protection Program
Initial Assessment → Risk Mitigation → Final Inspection → Certification → Annual Monitoring
ArboBella Tree Service LLC
Residential • Commercial • Tree Risk Mitigation
Flora Fabre
Office Manager & Co-Owner
Phone: [Phone Number]
Email: [Email Address]
Website: [Website]
Serving Southwest Florida
IMPORTANT INSURANCE NOTICE
ArboBella does not guarantee that tree-risk mitigation will result in an insurance discount, premium reduction, coverage approval, or underwriting benefit.
The Tree Risk Mitigation Certificate is not an insurance policy, insurance inspection, or Florida wind-mitigation inspection.
Insurance eligibility, credits, discounts, coverage, and underwriting decisions are determined solely by the homeowner’s insurance carrier.
The program provides professional tree-risk mitigation services and documentation that homeowners may retain and submit to their insurance professional for review.