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Tree damage — who pays for what?

3/8/2018

9 Comments

 
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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 info@cieltd.us
We will be happy to review your policy and exposures to make sure you are properly covered.
9 Comments
Armac Stump Grinding link
2/23/2020 10:08:30 pm

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

Reply
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.

Reply
www.watersoftenersolutions.com/ link
8/14/2020 12:00:45 pm

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

Reply
Grandrapidstreeservice.net link
12/6/2021 08:53:54 pm

Great information. Thank you for this!

Reply
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.

Reply
Evergreen Tree Service link
4/12/2022 11:07:03 am

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

Reply
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.

Reply
Bloom Tree Trimming Service link
6/1/2022 03:30:40 pm

Good article! The nice message towards saving the environment.

Reply
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.

Reply



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    Melanie Thomson-Tregoning is a Licensed Insurance Agent and VP of Marketing for Connecticut Insurance Exchange, Ltd.

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