Green-fingered homeowners have been warned of the risks of subsidence caused by planting trees too close to their properties.
Halifax General Insurance said that any tree, however small, could contribute to subsidence as it matured, if planted too close to a building.
David Brown, chief actuary at Halifax General Insurance, said: "In 2004, over 3,000 subsidence claims were registered with the Halifax, many of which are the consequence of wide-tree root systems.
"The composition of the subsoil around a property is also an important factor when assessing the potential impact of tree-root systems."
Halifax is encouraging anyone thinking of planting a tree to act responsibly and seek advice from organisations such as The Woodland Trust, the UK's leading woodland conservation charity.