Spring is right around the corner and that means the high winds and wet ground can make a perfect recipe for your neighbor’s tree to fall on your property. You would think your neighbor’s insurance would pay to repair your property, but that’s not how it works.
MY NEIGHBOR’S TREE DAMAGES MY HOUSE
If your neighbor’s tree falls and damages your house or any other structure, from an insurance perspective, the neighbor is not responsible for the repairs to your property. Your homeowner’s insurance would cover the cost of the repairs minus your deductible. “But your neighbor should have cut that tree down long ago; it’s his fault!” That may be, but it does not change how the homeowner policy will respond.
MY NEIGHBOR’S TREE DAMAGES MY CAR
If your neighbor’s tree falls and damages your car, the scenario is still the same. You are responsible for the cost of repairs. In this case, the Comprehensive Coverage of your auto policy (minus your deductible) would pay. It is important to note that not all vehicles have Comprehensive Coverage so if your vehicle doesn’t have it, there would be no coverage to repair your car.
MY TREE DAMAGES MY NEIGHBOR’S HOUSE
If you have read the first scenario, you already know what happens when your tree falls on your neighbor’s house. Yep, you got it. His homeowner’s insurance would cover the cost of repairs minus whatever the deductible is.
In any of these scenarios, one would hope that the neighbor (or you) would act in good faith and offer to pay at least a portion of the deductible.
We can help you understand how your policy will respond to damage caused by falling trees, wet basements, ice dams, broken pipes, and other springtime property damage situations. Give us a call — we can review your policies and answer any questions you may have.