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Would this covered on the insurance for the homeowner who owns the tree or the homeowner the tree landed on? Community Home Blog SMB Trust Index Coronavirus Resources Join Today! Sign in Join Jason and + million other Small Business Owners Join Today Join Jason and + million other Small Business Owners Join Today. Sep 18, Usually, when a tree falls, it’s due to a violent storm or the simple fact that the tree was diseased.

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Or, it was never maintained properly. It’s one thing to have the tree fall on your own property. When it falls on a neighbor’s property, however, the situation creates many Estimated Reading Time: 4 mins. Feb 15, Trees can be tricky, but for the most part homeowners are responsible for what falls into their own yard.

So if a storm causes your neighbor’s tree to fall in your yard, your homeowners insurance could help cover the cost of removing the tree and remedying the damage it caused on your property, after your deductible. The same is true in reverse: If a tree on your property falls in your Estimated Reading Time: 3 mins. If the trunk of the tree on your neighbors' property, they own it, no matter how much of the canopy overhangs the property line. If the trunk of the tree is directly on the property line (a"boundary tree"), both you and your neighbors jointly own the tree.

(See articles on"Neighbors Estimated Reading Time: 6 mins. When a tree falls over onto a neighbor's property, that neighbor should submit a claim to his or her insurance company immediately.

This process also helps you maintain a cordial relationship with your neighbors over trying to handle these matters yourself.

The insurance company is usually responsible for taking care of the damages. This is true if the tree fell over due to an act of nature. For example, a healthy tree that falls over during a tornado, hurricane, wind.

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