Neighbor's Tree Fell In My Yard - Who Is Responsible?

Do you have the ability to file a home insurance claim from damage caused when your neighbor's tree fell on your home, car, or other areas? Here is the insight you need to know when you can file a claim for a fallen tree.

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Neighbor's Tree Fell In My Yard - Who Is Responsible?

Trees do not always stay on your side of the property line, and when they fall, they can cause a significant amount of damage to another person’s property. It’s important to know who to call if you have damage from your tree or your neighbor’s tree, including how to get help if you have significant losses from negligence. Here is some insight into home insurance, tree damage, and how to handle claims like it.

Home Insurance and Tree Damage – When Does It Cover You?

Tree damage can happen for many reasons, and those reasons ultimately determine whether or not your home insurance will cover the losses. Let’s say that an act of nature causes the tree to fall over. For example, a wind storm blows it down, or a lightning strike causes a branch to break off. This is an act of nature.


When this occurs, your first step is to contact your home insurance company. Because the neighbor could not control the incident and there is no way for your neighbor to have prevented it, it is considered an act of nature. Your home insurance policy should cover the losses for you. And, if that insurance company determines down the road that it was the responsibility of the neighbor, your insurer will pursue the damages on your behalf.


Keep in mind that liability can be a factor here. For example, if the neighbor knew the tree was damaged or diseased, or he or she was cutting it down without professional help, and these are the reasons for the loss, then the neighbor may be held liable. In this situation, you would file a claim with the neighbor’s liability insurance. The liability insurance would cover your losses related to the tree’s damage.


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Neighbor’s Tree Fell on My Property – Will My Insurance Help?

The key to remember here is that when a neighbor’s tree falls, the damage to your property is likely a claim. File a claim with your home insurance when you have damage that was due to an act of nature. Perhaps you are not sure if your insurer will cover the losses. You may have a deductible to consider as well. Your insurance company will assess the situation to determine if you can obtain coverage based on the very specifics of your case. This is one of the best reasons to file a claim for coverage with your policy.

Neighbor’s Tree Falls on Your House

If a neighbor’s tree falls on your home, you may have a significant amount of damage to manage. This can become quite frustrating for property owners who are unsure of what to do. Your first step is to document the incident and to contact your home insurance agent. Your agent will tell you how to get a quote for the damage. The damage could include repairs to the roofing, gutters, or siding. It may include replacing items damaged in the fall as well. In most situations, the process will include the tree’s cleanup as well, though limitations may apply here.

Neighbor’s Tree Fell on My Fence

A common situation occurs when a neighbor’s tree falls on a fence. If you own the fence, the same rules apply here. If the tree fell due to an ice storm or a tornado, your insurance company would help to cover the losses you have including cleanup, repairs to the fence, and replacement of any damaged belongings.


If the incident is due to a dead or dying tree or the negligence of the other party, then it is up to their homeowner’s insurance to cover your losses. If you have trouble obtaining that information, you can file a motion in a court of law to gain it. Your home insurance agent may also e able to help you to take steps to recoup your losses.

Tree Damage to Neighbor’s Property – When Your Tree Causes Damage

What should you do if a tree damages the neighbor’s property? In most cases, it is best to approach your neighbor to determine the best course of action. Treat the incident just like a car accident. Exchange information, have an agent document what occurred and then allow the insurance companies to decide on the best course of action. Taking these steps like this can significantly improve the outcome simply because it helps to keep communication open.


If you are liable for the losses, be sure to simply allow your insurance company to manage the process. There is no need for you to interact with or otherwise fight with the neighbor over the incident. This is one of the reasons you have home insurance in the first place.


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