Unlike many companies, SJ Stephens Associates do not carry out tree surgery, so have no incentive to specify non-essential work.

Homeowners tree reports are undertaken:-

  • for lenders before they agree mortgages
  • for insurance companies
  • where vegetation is implicated as a possible cause of subsidence
  • to assess possible arboricultural constraints to development [see Tree Constraints Plan ]
  • to support an application to carry out work to TPO trees, or in a Conservation Area
  • in relation to High Hedge disputes


Reports for lenders and insurers cover risks to the structural integrity of a property through vegetation related subsidence or tree failure. They provide the following information:-

  • a preliminary survey of soils
  • a survey of all trees and large shrubs growing within influencing distance
  • an assessment of risks to property through subsidence or tree failure
  • recommendations for any necessary work




Subsidence Investigation

We are instructed by homeowners who have been notified that their trees are causing damage. Insurance companies often deal with subsidence issues in a systematic but simplistic way. We can review the technical evidence supplied, inspect the site and advise the best course of action.

We are also instructed by loss adjusters to advise on whether vegetation is likely to be involved in a subsidence case and, if so, what appropriate action should betaken.



Tree Safety Inspections

If a tree fails and causes damage, the owner, or occupier of the land, can be held responsible. The courts will look at whether reasonable Duty of Care has been taken. What is “reasonable”? Generally a homeowner would not be expected to have regular professional inspections of their trees. However, if they have extensive grounds with lots of visitors, if their trees overhang a public road, if a neighbour raises a safety concern or if there is an obvious defect, such as fungi or decay, they would.

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Tree Work Applications

We can provide a report to support your application to carry out works to a protected tree – or can apply to the council on your behalf. If unreasonably refused, we can appeal the decision to the Planning Inspectorate


Frequently Asked Questions

SJ Stephens Associates Ltd

Savernake Barn, Stokke Common
Great Bedwyn, Marlborough
01672 871 862
Coach House
Chetwynd Rd
London NW5 1BH
07831 341 887



Contact Us

01672 871 862