"TOM KAN PA" wrote in message
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and they arent likely to pay out for something that "might" happen.
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Then why do health insurance carries pay for mamograms, colon screenings,
etc.?

Because the procedures are a stated part of the coverage. Health
"insurance" differs from other types of insurance, like fire insurance.
There is a component to healthcare called prevention or wellness.
Homeowner's insurance is designed to spread the risk of catastrophic loss
over a large base of policy holders. It isn't generally designed to prevent
loss by paying for maintenance. However, an insurance company may decline
to write a policy if they inspect you home and find dangerous conditions.


If you applied the concept of prevention to homeowner's insurance, you could
rightfully expect the insurance company to fix your broken porch railing,
replace heaved sidewalks, have your chimney cleaned, and so on. If that
were the standard for policies, you would never be able to afford the
premiums.

As someone mentioned, if you know that the tree poses a likely danger and
you don't address the problem, you might be willfully negligent.