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Who Is Responsible for Fallen Tree Damage? In most American states, if your tree or any part of it falls on your neighbors' property and causes damage to their property through no fault of your own (due to a snow storm, winds, hurricane, or other so-called"act of God"), you are not responsible. Your neighbors will have to file a claim with their own property insurer if they want to be reimbursed for their loss.

This will likely come as a surprise to your neighbors!Estimated Reading Time: 6 mins. The neighbors tree had been eaten away by ants and it finally just couldn’t stand up any longer, so it fell in my yard. Hubby called the insurance agent thinking he would say that it is covered on mini loader stump grinder neighbors policy but it was not.

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When a neighbors anything falls on your property, the claim is filed under your own homeowners insurance. Feb 15, Trees can be tricky, but for the most part homeowners are responsible for what falls into their own yard. So if a storm causes your neighbor’s tree to fall in your yard, your homeowners insurance could help cover the cost of removing the tree and remedying the damage it caused on your property, after your shrubhauling.barted Reading Time: 3 mins.

It couldn’t be prevented.

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So – again, unless your neighbor had a severely damaged tree that they refused to remove and you have proof that you asked them to take it down, there is no way they could prevent this from happening.

So in most instances – if the tree hits your shed, fence, unattached garage (regardless of who’s tree it is), your home insurance responds to cover the repairs. Now if the tree hits your car- you guessed it, your. Jun 16, Identifying who's responsible for a fallen tree is pretty straightforward, but the answer might surprise- or even frustrate- you.

Lightning storms, severe wind, and other types of inclement weather can uproot your neighbor's tree and send it right into your yard. No doubt, an incident like this can be scary, especially if it damages your home in the process.