News you can use from CT Insurance Exchange Newington CT

Tree damage — who pays for what?

3/8/2018

Q: Let's say a neighbor's tree falls during a storm and crashes into your home. Who pays for the damage? This isn't meant to be a 'trick' question, but it may seem like one.

A: Even though it's your neighbor's tree, it's your responsibility. If the tree was in good health and it came down due to an act of God, nobody can be held responsible for that.

All policies differ, but in general the guidelines are as follows...

The property owner whose house is hit by a tree is covered under their homeowner's policy.
The property owner whose vehicle is hit by a tree is covered under their auto policy — but only if they have "comprehensive" coverage on the vehicle.
If the tree that falls is rotted or diseased and should have been pruned or cut down, then a question of negligence can be raised. The property owner may seek to hold the tree owner liable for damages.
Tree removal is only covered if a structure or vehicle is hit by the falling tree. NOTE: Pools are not covered. So, if a tree falls only on your lawn or garden — with no damage to your home or vehicle —the cost of tree removal, damage to lawns, gardens or damage to pools are generally not covered. Check your policy for specifics.
If a tree on your property falls into your neighbor's yard without damage to their home or vehicle, tree removal is not covered by either party's insurance. You and your neighbor must discuss who pays for cleanup.

Got a question about tree damage liability?
Contact Connecticut Insurance Exchange at 860 666-5443 or [email protected]
We will be happy to review your policy and exposures to make sure you are properly covered.

27 Comments

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2/23/2020 10:08:30 pm

The facts have been discussed is really important. Thank you so much for sharing a great post.

Shane link

6/30/2020 08:34:30 am

I agree with the points cited here, however i also believe out of compassion, the neighbor should also help by giving a hand in the process.

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8/14/2020 12:00:45 pm

You have a good point and I agree. Thanks for sharing!

Grandrapidstreeservice.net link

12/6/2021 08:53:54 pm

Great information. Thank you for this!

Ridge Tree Service link

3/24/2022 12:01:59 pm

This is the most asked question if you see from a tree care professional's point of view. In most cases, whether a tree caused a damage or not, it causes tree owner liable for all the cleanup charges.

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4/12/2022 11:07:03 am

Thank you for sharing about tree damage liability. and informative discussion about damaged trees.

Max Jones link

5/25/2022 01:20:03 pm

Thanks for the info about tree damage. My home was recently damaged by a tree. I'll make sure to hire a tree removal service to get rid of the tree.

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6/1/2022 03:30:40 pm

Good article! The nice message towards saving the environment.

Winnipeg Tree Service link

6/20/2022 01:02:15 am

You spelled this info out very clearly. Thank you for that. Many hugs from the staff at Winnipeg Tree Service out in Canada.

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7/20/2022 04:26:10 am

It's preferable to leave the work to a professional if you've never used a chainsaw, don't have all the necessary safety gear, or are dealing with a particularly huge tree. While cutting down a tree isn't very difficult, it does involve preparation, concentration, and caution, so avoid doing it when you're not feeling your best. Check the weather prediction as well; if it's likely to be windy or rainy, wait till the weather is calmer. If you decide to do it yourself, it's crucial to find a helper who can watch out for you while you cut.

Top Tree Service link

10/20/2022 01:47:13 pm

Tree damage can be very inconvenient. I'm glad tree service companies exist. Those who do decent work and provide fair costs will always have business.

Mia Evans link

10/26/2022 10:35:59 pm

It's interesting to know that tree removal for a fallen piece would have to be discussed between neighbors when it falls to their property. I heard that this is the issue with my sister's neighbor and the next house to them. It was caused by the strong winds that passed their area earlier this week.

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12/12/2022 08:27:08 pm

Natural elements and wildlife are brought into the urban environment by the presence of trees, which increases the quality of life for residents within the community.

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12/19/2022 02:00:30 pm

I think this is really informative! Thank you for this!

Santa Fe Tree Services link

1/3/2023 12:54:06 pm

We always suggest to homeowners to leave the work to the professionals.

Braden Bills link

1/5/2023 11:25:14 am

There's a tree on my property that I'm concerned might fall down. It's good to know that I'll be charged if it ends up falling and damaging my neighbor's yard. It would be a much better move to get a professional to remove it ahead of time for me.

Augusta Tree Services link

1/9/2023 05:42:11 pm

Thanks for sharing such a useful information.

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1/30/2023 12:20:14 pm

Nice article! thanks for sharing the post!

Edmonton Tree Removal link

1/31/2023 04:02:42 pm

Very interesting and informative blog !

Tampa Tree Service link

2/6/2023 05:41:38 pm

Thank you for sharing this.

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2/24/2023 10:53:49 am

Thanks for sharing this wonderful post!

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3/21/2023 08:37:40 am

Generally speaking, if your property is damaged, you are responsible for the damages. It doesn't matter if the tree or limb came from your property, your neighbor's property or even municipal property. Keep in mind that a windstorm isn't anyone's fault; it's an act of nature.

Tree Services Auburn AL link

5/15/2023 10:56:12 pm

This blog post on tree damage and liability is a helpful resource for understanding the responsibility and financial aspects associated with tree damage. It provides valuable insights into the complexities of determining who is responsible for the costs involved in tree damage situations. The article touches on various scenarios, such as tree damage caused by storms, fallen branches, or tree roots. I found the explanations on legal considerations and insurance coverage to be particularly informative. Whether you're a homeowner or have concerns about tree damage, this blog offers useful guidance on navigating the financial implications and potential liability related to tree-related incidents.

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9/7/2023 05:07:55 am

This is an excellent rundown of the general guidelines pertaining to tree damage coverage. It's so important to be aware of the nuances in policies to avoid surprises later. Your advice to check individual policies for specifics is spot on. This kind of information empowers homeowners to take the necessary steps in safeguarding their properties. Great share!

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5/2/2024 11:42:49 pm

Thanks for sharing! It's important to understand insurance coverage when it comes to tree damage during a storm.

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10/29/2024 03:05:28 am

This article provides valuable insights into the responsibilities around tree damage and property damage coverage. It's helpful to understand who is liable in different situations, especially when unexpected natural events or accidents occur. The breakdown of what homeowners' insurance typically covers versus what falls under personal responsibility can really help homeowners and neighbors avoid disputes. Great resource for navigating property issues with trees!

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10/30/2024 06:42:52 am

Kudos to you for tackling such an important and often overlooked topic. Your work here is truly valuable and necessary.

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Tree damage — who pays for what?

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