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With decades of experience, we're excited to make sure you get the coverage you need before you need it most.
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As a homeowner, are you responsible for the damage caused by a tree on your property that hits your neighbor’s home or other insured structure, such as a garage or shed?
In most cases, the answer is “no.” When such damage occurs to your neighbor’s home due to forces outside your control, e.g., weather events, your neighbors may have to file a claim with their insurer to receive a reimbursement for the damage a down tree or branches cause.
There is one exception, however.
If it is determined that the tree damage stems from your negligence (e.g., dead limbs that you refused to cut down, or you chose to trim your tree as a weekend project), then the neighbor’s insurer may come after you to recover their loss—a process called subrogation.
You may want to check your policy or speak to your insurance agent to ascertain if your homeowners policy covers your liability in cases of negligence.
Discover an array of services for all your insurance needs.
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These days, insurance needs are better understood than ever. Yet, many Americans remain under-informed about how various insurance products really work. Want to know how you rank? Challenge yourself with our brief quiz, "Test Your Insurance IQ."