Property damage is a very serious issue to deal with. When it comes to property insurance claims, fallen trees can be tricky to pin down. During bad storms it’s very common for trees to uproot and fall on people’s yards, cars, or houses. A common question we’re asked frequently is, “my neighbors tree fell in my yard, who pays for it?”. If the tree is healthy and fell due to an act of nature, it can be difficult to claim damages through your neighbor’s insurance.
In most cases, whatever happens to land on your property is now your responsibility. And even though there are some exceptions to these rules, unfortunately trees falling in your yard isn’t one of them. So, if a storm causes your neighbor’s tree to fall in your yard you would be responsible for it. You cannot file a claim and make them responsible for the damage and removal.
This also applies in reverse, as they cannot take any action against you if your tree falls in their yard. Of course, the main distinction here is cause and effect. If you can prove that the tree falling in your yard was diseased or due to the homeowner’s recklessness, then you may be able to make them pay for the damages. However, if that is not the case, you will have to contact your insurance provider and file a claim.