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Thank you for stopping by. Every month 2-10 Home Buyers Warranty (2-10 HBW) will be featuring an article written by our Risk Manager, Underwriting Manager and Principal Engineer, Walt Keaveny. With over 30 years of diverse engineering experience, Walt is particularly focused on the subject of structural claims and technical risk management. We are grateful to have his expertise in the home building industry, and he is available as a resource to all of our builder-members. Download his articles today and see for yourself why this industry-leading content is helping builders do what they do best – build beautifully sound homes across the nation.

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Walt's Corner


Builders Beware of the Whomping Willow

by Walt Keaveny, Risk Manager, MS, PE, PG

Remember the “Whomping Willow” on the grounds of Hogwarts School of Witchcraft and Wizardry in the Harry Potter series? This magical tree has powerful roots and burly branches with the ability to lash out violently and destroy anything in its reach. In real life, willows, along with many other species of trees, do actually cause serious damage to homes. Unless you’re a wise old wizard, you will want to know the top reasons that trees damage homes and best avoidance practices.

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Any real estate agent will tell you that trees add value to a home. Trees not only add curb appeal, but they are great for shade, privacy, windbreak, the ecosystem and other things. However, as any homeowner or structural warranty insurance adjuster will tell you, trees can launch an all-out assault on nearby homes both above and below ground.


Top 7 Reasons Trees Damage Homes

1. Invasive Roots
Thirsty tree roots are in constant search of water in soil. Some trees, like willows, can drink up to 200 gallons per day. Soil located under foundations is generally much wetter than soil located next to foundations. As the roots spread under foundations, they extract water causing the soil volume to shrink, resulting in ground and foundation settlement. The deeper the foundation and the lower the expansion potential of the soil, the lower the risk for damage caused by roots. For example, a deep basement founded on non-expansive sandy soil is a lower risk, whereas a shallow slab-on-grade founded on expansive clayey soil is a higher risk.

In addition to foundations, aggressive roots seeking water also travel under concrete flatwork, like walkways, patios and driveways. These roots can either withdraw water from the soil (causing settlement), or grow thicker (causing uplift). Roots also damage underground pipes, rupturing them as the soil moves and roots grow larger. The pipes commonly damaged include the main sewer line and irrigation lines.

2. Branches
Branches that scrape on siding and eaves cause damage, as do falling branches. Branches that scrape on common asphalt roof shingles can remove granules and prematurely cause failure of the shingles.

3. Critter Infestation
Trees serve as a convenient superhighway for critters like rats, mice, squirrels, raccoons, opossums and insects, to access homes. Trees attract birds that defecate on homes and grounds. Flowering trees can attract stinging insects and hives on decks and patios.

4. Blocked Gutters
Leaves, twigs, pine needles, fruit, nuts and seed pods block gutters. Blocked gutters can cause damage to the wooden fascia boards that hold the gutters. In colder climates, blocked gutters can cause ice dams and pooling water on the roof, resulting in roof leaks. Lastly, blocked gutters can cause foundation damage and basement leaks, as rain water that overflows the gutters collects directly next to the foundation.

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5. Utility Lines
Tree branches and roots can damage both overhead and underground utility lines serving the home. Overhead lines can be electric, telephone or cable television. Underground lines may include these three in addition to water, sewer and natural gas.

6. Mildew, Mold and Moss
Trees block air circulation around the outside of a home, the canopy blocks sunlight, transpiration increases humidity and foliage in constant contact with the façade can hold moisture. This may result in mildew, mold and moss growth on the exterior of a home. Trees can also cause staining by dripping water and sap.

7. Fire
As many as 4.5 million homes in the U.S. are at high or extreme risk of wildfire. Wildfires destroyed 3,000 homes in the U.S. in 2016. Trees are a convenient conduit for wildfires to reach homes, and spread fire from one home to another. Trees located too close to homes can be an impediment to firefighters battling a fire.

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Best Practices to Avoid Damage Caused by Trees


Plant Trees an Appropriate Distance from Homes, Concrete Flatwork and Utilities
Housing and Urban Development (HUD) recommends that “Trees and plantings shall be planted no closer to the foundation of light structures than the anticipated height of the particular plant if there are problems with shrinking/swelling of subsoils. This will minimize uneven drying of the subsoil and possible displacement of structures.” The U.S. Department of Agriculture (USDA) recommends a Wildfire Defensible Buffer Zone with a “minimum of 30 feet if needed for firefighters to protect a structure from wildfire.”

Avoid Trees with High Water Demand and/or Aggressive Root Systems
If trees are to be planted close to homes, avoid tree species with high water demand and/or aggressive root systems, generally including willows, poplars, cottonwoods, aspens, silver and Norway spruce, boxelder, sweetgum, sycamore, black alder, black locust, ash, Norway and silver maples, American elm and some oaks.

Use Proper Irrigation
Use proper irrigation near trees, so roots don’t need to travel in search of moisture under foundations and concrete flatwork. Sprinkler lines and heads should be located at least 5 feet away from the foundation and directed away from the home.

Use a Root Barrier
A root barrier is a physical underground wall that stops the lateral migration of roots. Root barriers can be used to keep roots away from homes and related improvements. Root barriers are commonly constructed as a trench excavated to a depth below the root zone and backfilled with concrete.

Use Caution when Keeping Existing Trees
Some construction codes and owners require builders to save existing trees located near new home foundations. This should be done with caution, under the advice of a qualified professional. Existing trees commonly die when disturbed by new construction, due to cutting or crushing roots, over or under watering, fertilizers, weed killers, suffocating roots, trimming and grade changes. When a tree and root system die, dryer expansive soils in the root zone can regain moisture, causing the soil surface to rise and damage overlying improvements.

Exercise Care when Removing Trees
When removing trees, be mindful that the root systems may have reduced the moisture content in the remaining soils. These soils will regain moisture over time, causing potential swelling and uplift on new overlying improvements. Remaining soils should be properly moisture conditioned and compacted. Also, be sure to remove all roots thicker than a pencil. Roots will decay, potentially causing settlement of the ground surface. Lastly, if removed trees are to be buried in a debris pit, make sure to clearly mark and record the location of the pit. It is common for homes and improvements built over former debris pits to experience severe distress, as the organic matter decomposes and consolidates, causing settlement.

Consult with a Qualified Professional
When in doubt, consult qualified nursery staff, a certified arborist or a professional geotechnical engineer. Don’t plant Whomping Willows or other trees too close to homes unless you have plenty of money at Gringotts Wizarding Bank to pay for the damages. Use recommended best practices and advice from a professional so that trees and homes can peacefully coexist. After all, money doesn’t grow on trees… unless there’s a spell for that?

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Additional Articles By Walt

Some builders experience millions in losses in a single subdivision, due to a variety of geologic hazards. These gripping case histories profile quality builders that could have avoided the perfect storm.

We know that seasoned home builders have all experienced “nightmare” projects over their careers. Learn how to protect yourself and sleep well at night.

The No. 1 homeowner complaint is visible cracks. This article gives you the tools to address homeowner concerns.

Water may just be a Builder’s worst enemy. Learn best practices to avoid damage caused by rain water.

In most cases building homes without a geotechnical investigation is like being blindfolded and swinging at a piñata. You can’t see what you’re doing and hope for the best. Learn the benefits of a geotechnical investigation and when one is needed.

Learn why you get what you inspect, not what you expect.

Most home builders can’t correctly identify the No. 1 cause of structural defects. Can you? Learn how to easily avoid this major problem.

Despite a Builder’s best efforts, unforeseen problems often occur. In fact, 51% of inspections fail the first time. Learn why problems occur and how to protect your liability.

High-profile multi-family building failures are commonly in the news. Learn best practices to avoid financial and reputation damage.

The remodeling industry is booming. Increase your market share by differentiating yourself from the competition.

Early development (E.D.) of a structural claim can indicate a severe and expensive problem. Learn what causes E.D. and how to avoid it.

Learn how to settle construction disputes in a manner that is fast, fair, cost-effective, and equitable for all parties..

About the Author

Mr. Keaveny is the Risk Manager, Underwriting Manager, and Principal Engineer for the leading new home warranty company, 2-10 Home Buyers Warranty. He earned a Bachelor's degree in Geological Engineering and a Masters in Geotechnical Engineering. He is licensed as both a Professional Engineer and a Professional Geoscientist, and has over 30 years of diverse engineering experience. He serves on the Construction Performance Standards Committee for the Texas Association of Builders, and is an invited speaker and author. Mr. Keaveny's work on the subject of structural claims has been published in major newspapers and has drawn international interest.

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