What happens when a tree falls?

We commonly get asked: When my neighbors tree falls on my house who pays for it? It depends on a few different factors to determine if and which insurance policy will pay.

If a healthy tree from your yard falls on your house that is covered by your insurance policy. What most people don’t know is that if a healthy tree from the neighbor’s yard falls on your house that is also covered by your policy, not your neighbors.

The same rings true if your healthy oak comes down in a storm onto your neighbor’s garage. Their insurance would pay for the damage to their property.

If a tree just falls down in the middle of the yard, you need to bust out the chainsaw. Insurance only kicks in if the tree damages a covered structure or blocks the driveway or handicap ramp.

There are a few exceptions to this rule: if your neighbor tries to cut down the tree themselves and it falls on your house they would be responsible. If you know a tree in your yard is diseased but don’t take action and that tree falls on your neighbors house it might mean that you are liable. For most trees falling, it is an act of nature and not anyone’s fault.

If you have any questions about the health of the trees in your yard and want a referral for a professional give us a call at 952-448-5028!

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