Trees and Your Homeowners Insurance

Monday, January 28, 2013

Whose homeowners insurance policy takes the hit when a neighbor’s tree falls, damaging your house or property? It’s a common question, particularly after a major windstorm like Sandy.

In most cases, your insurance will have to take care of it. “Most people don’t understand that if your neighbor’s tree falls and damages your house, shed, fence, pool or lawn, it’s most often your problem, not your neighbor’s,” she explains. “You have to file a claim with your homeowner’s insurance company, and the usual deductible applies.”

Of course, the same holds true in the opposite scenario: If one of your trees causes damage to your neighbor’s property, you’re generally off the hook.