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Your tree falls onto your property causing damage to a covered structure on your property. Most homeowner’s policies cover a fallen tree as a fallen object claim, this will be subject to the standard deductible on the policy, unless it happens during a windstorm or hurricane, where it would be subject to the wind/hail or hurricane deductible. Sep 18, The same, it appears, cannot be said of good trees. In the wake of Hurricane Irma, many Floridians are left wondering about who is responsible for damage caused by trees falling from a neighbor's property onto their own property.
The health of the tree determines which landowner is responsible for damages to property. TREES (Homeowners, Condominiums).
Inquiry: If my tree is blown over or falls due to wind, snow or ice and damages my neighbor’s property, does my policy pay to fix the damage? What if the tree damages my home? What if the tree is blown over but no structure is damaged? Answer: Your Homeowner policy does not automatically pay for a fallen tree on your property that damages your neighbor’s. Nov 12, For some, an unwanted reminder of Hurricane Sandy that crashed into the East Coast as megastorm of the century is a big tree uprooted, lying across the yard -- If lucky, missing the treeremove.bar: Mary Knudson.
Sep 20, Thousands of trees in the Greater Washington area were felled by Hurricane Irene, plunging hundreds of thousands into darkness and raising a thousand insurance-related questions, such as: “Is the damage from hurricane winds covered?” “Who is responsible for the damage if a tree falls on my neighbor’s yard?”And, “Will our homeowner’s insurance policy pay for it?”Estimated Reading Time: 6 mins.
Jan 24, The general rule is that if your tree falls on your neighbor's property, even if it causes injury to a person or damage to property, you will not be liable so long as you are not negligent. Furthermore, since the tree fell during a severe hurricane, you can usually raise the defense that this was an"Act of God".