Insurance-Approved Tree Contractor in Jacksonville, FL

We document the damage, estimate in the same software your carrier uses, and bill your insurance company direct. You pay your deductible — not the whole job.

What an Insurance-Approved Tree Contractor Actually Is

An insurance-approved tree contractor is a licensed, fully insured tree company that can document storm damage the way a carrier needs it documented, estimate the work in the carrier’s own software, and get paid by the carrier directly instead of asking you to front the whole job and chase reimbursement. 904Tree.com™ does all three, every day, across Jacksonville and Duval County.

There is no state licensing board that hands out an “insurance approved” certificate. What matters is whether the contractor carries real general liability and workers’ compensation coverage, whether their paperwork is written correctly for a Florida claim, and whether an adjuster will accept their estimate without a fight. Ours will — we estimate in XACTIMATE®, the same platform your carrier uses.

If a tree is on your house right now, stop reading and call (904) 401-8304. We answer 24 hours a day.

Three Things a Carrier Looks For

How Direct Insurance Billing Works With 904Tree

1. Call us first, then call your carrier. Call us immediately after you report the loss so we can be on site when the adjuster arrives. What gets missed at that inspection is very hard to add back later.
2. We document the loss. Photos, measurements, tree species and failure point, damage to the structure, and what access the removal will require.
3. We write the estimate in XACTIMATE®. Line-item pricing in the carrier’s own format, for the full Replacement Cost Value your policy owes on the work.
4. You sign a Direction to Pay. That authorizes the carrier to pay 904Tree directly. We do not chase homeowners for third-party checks, and you are not fronting the carrier’s share out of pocket.
5. You pay your deductible to us. Under Florida law the property owner pays 100% of their deductible — no contractor may legally waive, rebate or “eat” it. Anyone offering to is committing insurance fraud and taking you along with them.
6. We do the work and close the file. Complete removal, debris hauled, site raked, and final documentation sent to the carrier.

We Work for You — Not for the Insurance Company

A “preferred vendor” off the carrier’s list is paid by the carrier and answers to the carrier. We are hired by you. That means when the first offer does not cover the actual scope of the removal, we push back on your behalf with photographs and line items instead of quietly cutting corners to fit the number.

It also means we will tell you when a claim is not worth filing. A dead tree with no damage to a covered structure is maintenance, not a loss, and filing it just puts a claim on your record. We will say so.

What Storm Tree Work Insurance Usually Covers

Every policy is different. These are the patterns we see in Duval and St. Johns County claims, not a coverage promise — your carrier and your declarations page decide.

Verify Us Before You Sign Anything

Storm season brings out-of-state crews with magnetic door signs. Our credentials are independently verifiable, and you should check any contractor the same way before money changes hands.

Storm Damage? Call Before the Adjuster Comes Out

We answer 24 hours a day and can be on site with the adjuster so nothing gets left off the estimate.

Frequently Asked Questions