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.