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.

Flood Insurance

Flood insuranceHome is a valuable asset which no one would like to give up on. However this asset of yours is so vulnerable for disasters and destruction due to calamities. A tree from neighbor hood can fall on your roof or fence, a heavy wind can blow off the roof, a theft can occur, someone can be bitten by your pet, all such incidents are unforeseen. You cannot prevent few things but all you can do is take necessary measures to face the consequences. In order to avoid any financial crisis, obtain a home insurance  policy . Many insurance companies provide you the best deals on your policy to cover all or most of the perils in a convenient package. You will need to do a smart work in selecting the best coverage and hence choosing the right home insurance policy from right company for an affordable price.

Most home insurance  policies do not cover damages due to flood. Floods can be caused by hurricanes, melting of snow, water backup drainage burst, heavy storms and many more. All these are unpredictable and when happens, it will wash away all your happiness and peace. Flood insurance covers any loss occurred to your property, from structural damage to debris clean up. Make an inventory of all your priced possessions and cover them by purchasing separate coverage something which your home insurance policy does not offer.

Necessity Flood insurance is not mandated by state or any insurance company but it is required by a mortgage lender. If your home is prone to flood, do not wait for a lender or an insurer insist you to buy. It is available through NFIP. It is always better to purchase both building and contents coverage for the broadest protection. Talk to your home insurance agent today to enquire about it and to obtain flood insurance, it is a necessity. Even though flood insurance is a federal program, insurance companies sell the policies.