To determine how much insurance companies would pay for a tree removal service, consider criteria such as the size of the tree and whether or not the tree required the use of a crane to be removed. The number of hours it took the tree service business to remove the tree; whether there were any unique requirements, such as creating special access ramps or bridges to bring in heavy equipment; and whether the work on the tree was done under dangerous conditions. Was the job completed at night or on weekends, necessitating after-hours rates? All of these considerations are taken into account by insurance companies when determining the reimbursement of the tree removal process. The word “reasonable and customary” is a helpful guideline to remember. The Insurance Company will cover the service offered to remove the tree as long as it was necessary and fair.