Theoretically speaking. They should’ve just raised your rates. Since your house is at higher risk than they thought. But should offer a rate decrease if you maintain your surrounding trees.

Unless that information doesn’t change how risky they think your house is, therefore theoretically “correct” thing to do is what they did, nothing.

They are insurance companies. They basically bet that you’ll be lucky. They don’t want to lower the risk. Paying insurance companies is what you do when you want to lower the risk, and that would cut into their margins.

And yes, there are insurance companies for insurance companies.