Who's Insurance is Responsible for Trees that fall?

 

Hey Neighbors,

 

In the wake of the storms here in Houston, many have ask what to do if a neighbor's tree lands on your home and who is responsible for the damage. Here's a guide to help you navigate this situation:

 

Take photos and videos of the damage caused by the tree. This documentation will be important for your insurance claim.

 

Report the damage to your insurance company immediately. Provide them with the documentation and details of the incident.

 

Have a professional assess the damage and remove the tree safely. Ensure they provide a detailed estimate for repairs.

 

Generally, if a neighbor's tree falls on your property due to natural causes, you are responsible for the damage. Your homeowner’s insurance should cover the repairs. However, if the tree was dead or damaged and your neighbor was aware but did nothing, their insurance might be liable.

Remember, good neighbors make for good fences and trees! When you share a fence with a neighbor, the general rule is to split the costs of maintenance and repairs. This tradition is rooted in fairness and community spirit, ensuring that both parties share the responsibility equally. Discussing these matters openly and respectfully can prevent many issues before they arise.

Stay safe and take care,