10/13/2026
Your neighbor’s tree damaged your home. Who pays?
MYTH BUSTED - FALSE!
Just because the tree belongs to your neighbor doesn't automatically mean their insurance pays for the damage.
✅ Here's what Georgia homeowners should know:
Your homeowners insurance: Generally covers damage to your home caused by a fallen tree when the cause of loss is covered under your policy, subject to your deductible.
Your neighbor's responsibility: If your neighbor knew their tree was hazardous and failed to take reasonable action, they could potentially be held liable.
The important part: Every situation is different. Coverage depends on your policy, the circumstances surrounding the damage, and whether negligence can be established.
Don't wait until a tree comes crashing down to find out what your policy covers!
Not sure how your homeowners insurance would respond to storm or tree damage?
Contact The Lewis Agency for a homeowners insurance review. We'll help you better understand your coverage and identify potential gaps.
📞 (470) 499-9860
📧 [email protected]
When life changes, your insurance should too.
Mike Lewis Agency Mike Lewis
