During a storm, a tree from my neighbors yard fell and destroyed my fence. Does my homeowners policy pay for the damage or does my neighbors policy?
Generally, your own policy should cover such a loss. The owner of the tree will only be responsible if you can prove the owner was negligent in causing the damage. Insurers often deny these types of liability claims. Your homeowner’s insurance policy may have a limited amount of coverage available to remove your neighbor’s tree (or your tree) that is blown over by wind and damages an insured structure on your property. This will be explained in the Additional Coverages section of your homeowner’s policy.
Related Questions
- During a storm, a tree from my neighbors yard fell and destroyed my fence. Does my homeowners policy pay for the damage or does my neighbors policy?
- DURING A STORM, A TREE FROM MY NEIGHBOR’S YARD FELL AND DESTROYED MY FENCE. DOES MY HOMEOWNERS POLICY PAY FOR THE DAMAGE OR DOES MY NEIGHBOR’S POLICY?
- If a wind storm damages or uproots a tree in my yard, will my Homeowners Policy cover the cost of the tree and the debris removal?
