Mortgage tree reports are often required by lenders as part of property transactions to assess potential risks and liabilities associated with trees on or near the property.

These reports evaluate tree health, stability, proximity to structures, potential hazards and an assessment of tree related subsidence or heave, providing a comprehensive assessment for lenders and buyers. 

Insurance tree reports assist property owners in obtaining insurance coverage by identifying potential risks posed by trees on their property.

These reports are essentially the same as a mortgage report and evaluate tree health, stability, proximity to structures, potential hazards and an assessment of tree related subsidence or heave, helping property owners to mitigate risks and secure insurance coverage.