If a healthy tree that did not pose an immediate risk to adjacent property falls and causes damage to a neighbor's property, whose insurance is responsible?
by 
FDubya
ANSWERS: 12
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There is not enough information here. Did the wind blow it down? I think (and I am not a lawyer) if it is your tree causing damge to some one else property, then you have an obligation to make ammends.
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Um, the claimant can pursue the negligent party. If the owner of the tree had no knowledge of the possible risk, he's not liable. If there is no negligent party, then the claimant can submit to his own insurer for consideration. It may not be paid though if the co. considers it an act of god for instance. So he may get stuck.
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I would say it depends upon what made the tree fall. If it fell on it's own, it would be the owner of the property from which the tree fell.
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Yes, there are some variables in this hypothetical question, but the point is the tree fell onto another property. The issue is who is responsible. If the tree owner had no reason to believe the tree was in danger of falling and the tree fell, it is usually considered an act of God. I see this all the time in Florida and am sure in other states it occurs as well. The usual payout would be due to negligence. If there is no negligence, there is no responsibility. The damaged party CAN make a claim, subject to deductibles on their own policy. It would not only cover the damage, but the removal of the tree debris as well.
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You
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I would say you should help clean it. And insurance may or may not covers any costs.
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you both should clean it and i think that a tree falling on the house with out anyone cutting on it is considered an act of god
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you. unless it was struck by lightning.
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It's your tree....your responsibility.
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Every state has different laws for this type of situation. You can call the city hall in your area and they can give you the information you need. To avoid hard feelings it is best to find the legal course through your local city hall.
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Your tree encroaching on neighbor's yard. Your responsibility. Count your blessings that it didn't fall on their car, house or kids-maybe trim occasionally?
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WHO'S EVER HOUSE OR HOUSES IT HIT HAS THEIR OWN INSURANCE TO COVER THEIR OWN LOSS. IF ITS YOUR TREE AND YOUR HOME IS'NT DAMAGED, THEN YOUR NOT RESPONSIBLE FOR ANYONE ELSE'S LOSS ONLY YOUR OWN. THATS THE LAW.
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