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Who's insurance pays for the damage of fallen trees?

4/15/2017

4 Comments

 
Who pays for a fallen tree?
Where it lands is the key to liability...
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.

Tree damage — who pays for what?
  • 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.
Contact your Connecticut Insurance Exchange agent at 860 666-5443 or email us at info@cieltd.us if you have questions about tree damage liability. We will be happy to review your policy and exposures to make sure you are properly covered!
4 Comments
Sarah Smith link
3/19/2019 07:18:43 pm

I didn't realize that if your property holds a diseased tree and it falls on your neighbor's property, your insurance pays for it. We have 3 diseased trees on our property. I think I will find a tree removal service before they fall over.

Reply
Raymond Alvarado
8/6/2020 08:54:55 pm

Hi, my neighbors patio umbrella blew into my house and caused damage to the siding. This was on Tuesday when the storm arrived. Her umbrella was not closed at all. She was negligent. Warning was given that a storm was coming and she did nothing to put stuff away as advised.
I spoke to her today and before I asked her about paying she said that my insurance should pay. Mine!!! Unacceptable... I didn’t say anything else because I knew it was going to get heated. Can I get her insurance info and make them pay for the damage? Thank You

Reply
Melanie Tregoning
8/7/2020 07:37:53 am

Hi Raymond,

That is an excellent question! I think I know the answer. If you are insured with CT insurance Exchange, please email me at melanie@cieltd.us and let me know what insurance company you are with. I will contact its underwriter to make sure I have the cotrrect answer. Thank you.

Reply
Bennie Billie
8/19/2020 05:32:23 am

Hi, the lower base part of the tree belonging to my neighbor fell on my fence, I need to get that part off my fence but am I responsible for taken care of the rest of the that is on the neighbor’s side? It is possible that removing the part of the tree of my fence may result in limbs and branches may fall on my property and that would be my responsibility too. Am I better off just leaving the tree on my fence and let my llc real estate neighbor decide what they want to do with the vast majority of the tree on their yard? So far I am ok with my insurance company, i just want to know what options if any do I have.

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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