Trees contribute value to properties by providing amenities, environmental benefits, and ecological advantages. However, they also carry risks. Seeking advice from a qualified arborist is essential for your future protection, including legal liability.
If you’re buying or selling a property and need a tree report for insurance or mortgage purposes, Tree Reports South West can assist. With 25 years of experience, our arborists offer prompt service to ensure a smooth property transaction. Our reports detail relevant trees, assess their condition, structural stability, and potential risks to built structures. We also evaluate subsidence-related risks and provide recommendations for tree and vegetation management
What is a Homebuyer Pre-Purchase Tree Report?
Pre-purchase tree reports in the UK assess the impact of trees on or near a property before purchase. Often included alongside a Home Buyers Report, these reports are essential for prospective buyers to understand potential risks and liabilities related to trees near the property.
What Features in a Homebuyer Pre-Purchase Tree Report
Tree Survey
A comprehensive tree survey assesses all trees located on or near the property, providing details about their species, size, age, health, and structural condition.
Tree Location Plan
An illustrative map or diagram that precisely indicates the positions of trees in relation to the property, delineating property boundaries and highlighting other noteworthy features.
Risk Assessment
A comprehensive assessment of tree hazards encompasses potential risks associated with trees, including falling branches, structural damage caused by tree roots, and subsidence. This evaluation also considers tree stability and the probability of failure.
Tree Work Recommendations
Professional advice regarding essential tree care tasks, including pruning, removal, and maintenance, to uphold safety and legal standards.
Legal and Planning Considerations
Guidance regarding the laws, planning regulations, and responsibilities concerning trees on the property, encompassing Tree Preservation Orders (TPOs) and restrictions within conservation areas.
Tree Management Plan
A strategy for the continued care and upkeep of trees on the property, if needed.
How a Homebuyer Pre-Purchase Tree Report Can Help you
When Purchasing aProperty
Utilise your report to negotiate with the seller, particularly if significant tree work is necessary, or reconsider the purchase if the associated risks or costs are too high.
Mortgage and Insurance
Submit the report to mortgage lenders and insurance companies to demonstrate your awareness and management of tree-related risks, which can influence lending and insurance terms.
Post-Purchase Management
Follow the report's recommendations for ongoing tree management and maintenance to ensure safety and legal compliance.
Frequently Asked Questions
How Much Does a Mortgage Tree Report Cost?
The cost of a Mortgage & Insurance Report varies based on several factors, including location, property size, and other complexities such as past claims or existing damage. Our team of experts is ready to assist you. Contact us through our online form or Free-phone number to receive a no-obligation quotation and information on our next availability.
Will The Mortgage Lender Accept Our Report
The report format we use is widely accepted in the mortgage and insurance sectors. As one of the most experienced providers of these reports in the UK, we are confident in our acceptance rate.
What Happens if Concerns About Tree Risks Are Raised in Your Report?
Our priority is to provide qualified and relevant advice. When elevated risks are identified, we aim to quantify them to ensure all stakeholders have the necessary information for informed decision-making. To date, we are not aware of any property transaction failing due to the advice and opinions we have provided.
What Are Regulatory Considerations?
In the UK, tree work, especially on trees with a Tree Protection Order (TPO) or in conservation areas, is regulated. Compliance with the Town and Country Planning Act 1990 and its amendments is required. Engaging a qualified arboricultural consultant ensures adherence to these regulations.
Something To Consider
A Property Pre-Purchase Tree Report is an essential tool for prospective property buyers in the UK. It provides critical information on the condition, risks, and management requirements of trees on or near a property. These reports help buyers make informed decisions, ensure legal compliance, and plan for future maintenance, ultimately contributing to the safety and value of the property.