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Fallen Tree Damage—Who Pays?
As a homeowner, are you responsible for the damage caused by a tree on your property that hits your neighbor’s home or other insured structure, such as a garage or shed?
In most cases, the answer is “no.” When such damage occurs to your neighbor’s home due to forces outside your control, e.g., weather events, your neighbors may have to file a claim with their insurer to receive a reimbursement for the damage a down tree or branches cause.
There is one exception, however.
If it is determined that the tree damage stems from your negligence (e.g., dead limbs that you refused to cut down, or you chose to trim your tree as a weekend project), then the neighbor’s insurer may come after you to recover their loss—a process called subrogation.
You may want to check your policy or speak to your insurance agent to ascertain if your homeowners policy covers your liability in cases of negligence.
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Buying a home is an exciting milestone in life, which is why make sure that your investment is protected, no matter what.
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Learn moreNo two people are the same, and our insurance professionals know this better than most.
Learn moreLife can move pretty fast sometimes. Having life insurance can ensure you and your loved ones remain protected even during life’s unexpected events.
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