Gateway Insurance

Who is Responsible for a Fallen Tree?

Aug 13, 2014

Trees are a great addition to any property. They will not only provide shade, helping keep cooling costs down in the summer, but they can also add to the overall value of your home. If one of your beautiful trees falls into your neighbor’s yard, are you held liable? If you ever find yourself in this unfortunate situation, it is important that you know how to handle the situation. If one of your trees falls into a neighbor’s yard as the result of an act of nature, that neighbor should file a claim to their insurance company as soon as possible. Acts of nature are any perils that you are not able to control, such as a hurricane, wind storm, or winter storm. The neighbor’s insurance company will usually be responsible for making sure that the damages are taken care of. There are some instances where homeowners insurance will not cover the damage that is done by the tree falling on a neighbor’s property. If the tree falls down because it is dying, diseased, or unstable, and the homeowner knows about it, then the damage will not be covered by the insurance. It will be the responsibility of the homeowner to pay for the damages. Also, if the homeowner tries to cut down the tree without professional help, and it falls into the neighbor’s yard, then it will not be covered by insurance. If the homeowner is found liable for the damages, then their homeowners insurance will cover the cost of the damage. The policy will also provide coverage if the homeowner is sued by the neighbor. For more information on tree damage liability, and for the most comprehensive homeowners insurance policy to ensure you are covered in any unfortunate situation, contact Gateway Professional Insurance Services in Vacaville, California.
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