If the tree was not dying or knowingly at-risk and in danger of.

Aug 02, Comprehensive coverage should cover the damage, or try your dwelling insurance.

What if the tree had caused damage to your neighbor's house?

My Tree Fell on My Neighbor's Car. If one of the healthy trees on your property falls on your neighbor's car during a storm, you are not responsible. Your neighbor may not be happy about it, but they must claim on their auto insurance. Jul 16, No, and there are a couple of reasons for this. The first has to do with where the insurance responsibility falls with downed trees.

If the tree fell following a storm, your neighbor is not responsible.

Generally you file a claim with your own home insurance company if a tree falls and damages your property -- no matter where the tree came from. So if the tree caused damage in your neighbor's yard, your neighbor would file a claim with his own insurance Estimated Reading Time: 2 mins. Jul 08, (Your neighbor isn’t legally responsible for reimbursing your deductible; you could sue to recover that amount, but it’s not a sure bet.) Insurers generally limit what they’ll pay to remove the Estimated Reading Time: 5 mins.

Sep 10, Your Tree, Your Neighbor's Property: Whose Insurance Pays? This is a good time of year to trim trees that might cause problems, before the start of hurricane season on June stumpcutting.barted Reading Time: 2 mins.