Insurance provider in my area has premium discounts if I do certain things. If I get my boilers checked and serviced, it reduces my premium next year. And cases as dead branch falling, they have a form that I can fill up to send for review, however in reality they will wait for the annual home inspection before renewal to asses threat, but they would pay for dead branch to be removed.

A bloke down my street had a tree growing too close to electrical wire and he kept complaining to the electric company to trim the tree or risk a fire to no avail. Then he told this to the insurance and they sent a strongly worded letter prompting electrical company to fix it in 2 days.

Also I have some experience with flood risk underwriting in Malaysia, we’d pay to have Strom drains cleaned, and fix some supports for buildings who we’d deem flood prone, because fixing those would be a 1-2% cost of replacing the entire house.

Point being insurance providers definitely can and do spend money on preventative care. I guess US very strongly doesn’t believe in that.