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We walked the property, assessed the damage, and talked specifics.

Before you can determine who is liable for damage caused by a falling tree or branch, you need to know who actually owns the tree. If the trunk of the tree is on your property, you own it.

If the trunk of the tree on your neighbors' property, they own it, no matter how much of the canopy overhangs the Estimated Reading Time: 6 mins.

Call Email Claims Payments.

The neighbors tree had been eaten away by ants and it finally just couldn’t stand up any longer, so it fell in my yard. Hubby called the insurance agent thinking he would say that it is covered on the neighbors policy but it was not. When a neighbors anything falls on your property, the claim is filed under your own homeowners insurance. Aug 11, A section of your neighbor’s fence is in ruins. Their shed is still standing but severely damaged. No one’s hurt- thank goodness- but wow, what a mess.

Believe it or not, this happened to me. It happened just last week to be exact- my wife and I are still dealing with the aftermath of it all. Feb 15, Trees can be tricky, but for the most part homeowners are responsible for what falls into their own yard. So if a storm causes your neighbor’s tree to fall in your yard, your homeowners insurance could help cover the cost of removing the tree and remedying the damage it caused on your property, after your deductible.

The same is true in reverse: If a tree on your property falls in your Estimated Reading Time: 3 mins. Jul 30, If a tree falls down into another’s person’s yard due to natural causes like a storm, the tree owner is not liable. The tree owner is responsible, if he’s been warned to take it down and he didn’t. If your neighbor’s trees are a threat to your property – Estimated Reading Time: 3 mins. So in most instances – if the tree hits your shed, fence, unattached garage (regardless of who’s tree it is), your home insurance responds to cover the repairs.

Now if the tree hits your car- you guessed it, your auto insurance would respond. This is one of the best reasons to consider having auto and home insurance with the same company. Jul 08, The median amount paid by insurance companies for settled tree claims was 4, Seven percent of all settled claims were caused by a fallen tree. Compare that with the. Tell them that if the tree falls and injures or kills someone, or damages your property in any way, you will hold them responsible. Send a copy to your insurance company, and keep a copy for yourself.

Take some pictures of the tree for your records. Usually a letter like this gets results.

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