My tree damaged a neighbor's swing set?

The limb of a tree in my yard fell into my neighbor's yard damaging their swing set. Who should contact their insurer -- me or my neighbor?

In most cases, it would be your insurance that pays for the damages. The reason being, the limb came from your tree and it's your responsibility. Now, not every situation is the same. You need to contact your insurance company and have the adjuster determine who is responsible for the damages. Good luck and if you have any other questions, don't hesitate to ask.