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Who is responsible for covering damage caused by a tree falling from my yard after a hurricane?

During a recent hurricane, my giant oak tree (40’+) ruined a bunch of my property (fence, shed, driveway) and landed on my neighbors roof. This giant tree did damage well-exceeding my deductible, but also landed on my neighbor’s roof, doing quite a bit of damage there, too. I was told by several tree companies it will take a crane to move it before it could be safely cut up, which all needs to be done at once because there is no where to lay it without blocking the road. I’m not sure who claims what in this situation?

Agent Answer

Neil Richardson

Assuming your homeowners insurance policy is up-to-date, you would need to file a claim with your insurance provider since the tree was on your property. The liability coverage on your homeowners policy should also cover the damage caused to your neighbor’s home. There may be stipulations about damage caused by hurricanes and coverage limits for other structures on your premises so you will need to speak with your company about how everything will be covered.

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