Who Is Responsible When a Tree Falls? – Insurance Coverage 101

When it comes to insurance coverage, falling trees and the damage it may cause should be part of your consideration.

The falling of trees causes power outages, damage to property, and even loss of life. In some cases, trees that fell on a property belonged to that property owner. In other cases, trees that fell were originally on a neighbor’s property.

Falling trees can cause power outages, damage to property, and even loss of life. Whether a tree falls on a property that belongs to the property owners or the tree that fell was originally on a neighbor’s property, it is important to understand who is responsible.

If a tree falls onto a neighbor’s property due to an act of nature, they should promptly contact their insurance agency. Typically, the insurer is responsible for covering the damage in such cases.

For example, if a healthy tree falls during a storm, the homeowner is not at fault, and the neighbor’s insurance should handle it.

However, homeowners could be held liable in certain situations. If they were cutting down the tree and it damaged the neighbor’s property, If the tree was noticeably infested with bugs, or if they knew the tree was dying or unstable and did not take precautions, they might be responsible.

To avoid problems, homeowners should regularly check their trees for signs of disease or instability and trim branches that hang over property lines. Consulting with an arborist for inspections and necessary treatments can prevent costly damage and potential legal issues.

It is better to address tree health proactively than deal with the consequences later, including potential disputes with neighbors. Call Pacelli Insurance for more assistance on insurance coverage today!