Who Pays for Damages When a Neighbor’s Tree Falls on Your Property?

If a tree on your neighbor’s property falls and damages your home or other personal property, you may wonder who is responsible for paying for the damages. The answer depends on several factors, including the reason the tree fell and whether your neighbor was negligent in maintaining the tree.  

If the tree fell due to a natural event, such as a strong windstorm, your home insurance policy may cover the damages. Most home insurance policies include coverage for damages caused by falling objects, including trees. However, it’s important to note that there may be limits to this coverage, and you may need to pay for some of the damages out of your own pocket if the costs exceed your policy limits.  

On the other hand, if the tree fell due to your neighbor’s negligence, such as failing to properly maintain the tree or ignoring obvious signs of decay, your neighbor may be held responsible for the damages. In this case, your neighbor may need to file a claim with their home insurance policy.  

What To Do If a Tree Falls on Your Property 

It’s a good idea to speak with your Hertvik Insurance agent and a legal professional to determine the best course of action in this situation. They can help you understand your options and the steps you need to take to get the damages covered.  

Overall, if a neighbor’s tree falls and damages your property, it is important to act quickly to assess the damages and figure out who is responsible for covering the costs. By understanding your rights and the coverage provided by your and your neighbor’s insurance policies, you can protect yourself and your property in the event of this type of unforeseen accident.  

Insurance Questions – We’re Here to Help! 

If you have any questions about who pays for damages for a neighbor’s fallen tree on your property, please reach out to your Hertvik Insurance agent.