05/20/2026
🌳 Tree Damage & Homeowners Insurance — Who’s Responsible? 🏠
One of the biggest misconceptions we hear is:
“If my neighbor’s tree falls on my house, their insurance pays.”
In many situations, homeowners insurance works based on WHERE the tree falls — not who owns the tree.
✔ If a tree falls on your home, fence, garage, or other covered structure, your homeowners policy is usually the first policy involved.
✔ If your tree falls on your neighbors home or structures they would need to file the damages through their own homeowners insurance policy
✔ If the tree was healthy and fell due to wind or storms, it’s often considered an “act of nature.”
✔ However, if a tree was clearly dead, damaged, or neglected, there could be liability considerations.
✔ If a tree falls on your vehicle, this falls under your auto insurance but you must have comprehensive coverage
Every claim situation is different, which is why it’s important to understand your coverage before storm season hits.
Have questions about your homeowners policy or deductibles? We’re happy to help review your coverage with you!
📞 518-793-5173
