What Should I do if my Neighbor’s Tree Fell and Damaged my Property?

Storms and other accidents can cause damage to trees and other structures around your property. If your neighbor’s tree fell and damaged your property, you will probably need to file the loss with your homeowners insurance plan. When trees from a neighbor’s property fall during storms, it is a tricky situation when deciding who should pay for the damage and to have the tree removed. In most states, unless the homeowner with the tree was negligent in removing a dead tree, the person with the property damage will be liable for the loss.

When searching for homeowners insurance coverage, you need to consider all types of plans. You will need to take care of your personal property inside the home, the structure of your home, and other types of accidents like personal liability. Although the tree may have been in your neighbor’s yard, if it fell because of a severe storm, and not because it was dead and rotting, the neighbor cannot be held responsible for the damage. It may be annoying to take care of a tree that fell in your yard, but if you have a great insurance plan, you should have nothing to worry about.

If the tree that fell presented a hazard and you notified your neighbor in writing about the dead tree, you may able to file a suit and force your neighbor to pay for the damage. Usually this is not the case and it is easier to file the claim with your own insurance company. Depending on the amount of damage, your insurance claim should be quick and simple.

Compare quotes and rates for the best homeowners insurance and you will be prepared when unexpected accidents happen. If you combine your car and home insurance together on the same plan, you can save even more money. You may also be able to find discounts for safety precautions and installing smoke detectors and fire extinguishers in your home. Remember car and home insurance are two of the most important coverages you can purchase to protect yourself and your family.

Who Is Liable if a Neighbor’s Dead Tree Fell on Your Property?

When a dead tree falls on your property, you likely will clean it up and deal with any damage on your own. But, what if it is not your tree? What if, instead, it is your neighbor’s tree that fell? Perhaps he or she did not take care of it. In that situation, you may be wondering what to do about the damage to your property. Your home or car could have been struck. Your fence may be flat. What insurance is going to pay for this? Who is liable?

Was Negligence a Factor?

In most situations, your insurance policy will provide coverage for this type of incident for the damage to your property. However, if you can prove your neighbor was negligent in caring for the dead or dying tree, it could easily become their insurance company’s problem. Homeowners are responsible for acting reasonably in caring for their trees and other property.

What to Do

If a tree falls on your property, it is a good idea to call your insurance company to discuss the options. In fact, your insurance provider may handle any negligent claims on your behalf (so they do not have to pay for the costs in the long term.) However, if you believe your neighbors were in fact negligent in caring for their property, you may want to file a policy report about the incident right away. This works as a form of documentation to back up your claims.

Keep in mind that if a tree falls on your house or other property and it was an act of nature, there’s simply no control over this. Your insurance company, though, will likely provide coverage for damage as well as cleanup costs related to the incident.

Dealing with Your Neighbor’s Insurance

If there is a claim of negligence, you may need to file the claim with your neighbor’s insurance company. If this is the case, be sure to include all losses including costs related to repairs, cleanup and replacement of any lost valuables. If there is any dispute in the situation, you may have to go to court over the matter. However, in most cases, this is not necessary.

Liability in a dead tree falling on your property is likely a simple claim to file with your insurance company. If you are working with an independent agent, he or she will help you to file the claim or give you advice on making a claim with your neighbor’s insurance if necessary.