Who Pays for the Damage When Your Neighbor’s Tree Falls on Your House?

Like so many insurable situations, the answer is, it depends. There are many different scenarios where you would be liable to cover the damage and some where the responsibility would fall to your neighbor. If you are concerned that your home insurance policy does not provide an adequate amount of coverage, or there are gaps in coverage of damage from certain events, contact the team at Paragon Independent Insurance Agency. We are here to meet the insurance needs of our friends and neighbors in the greater Plano, TX and would welcome the opportunity to work with you too!

When a Tree Falls…

There a few different scenarios when a fallen tree can cause damage to your home:

  • Lightning strike
  • Windstorm
  • A diseased or dead tree is uprooted
  • A mishap occurs during tree removal

If your tree or one that is rooted in your neighbor’s yard is uprooting during a storm or other natural disaster, the insurance policy of the owner of the damaged property will likely cover the event. If the uprooted tree that causes damage that is a result of human error, the owner of the tree will be responsible. For example, if you have a dead or dying tree in your yard and neglect to have it removed, you will be responsible for any damage that it causes. Or if your neighbor’s tree falls onto your house during a storm, you will also be responsible.

Are you concerned about tree damage occurring to your home, or do you want to make sure that your home policy will provide coverage for damage caused to your home by acts of nature? Call or stop by Paragon Independent Insurance Agency today to make sure that your Plano, TX area home has the protection it needs!