10/08/2026
🌳 Louisiana Insurance Tip #4
Did your neighbor’s tree fall on your house?
You might assume your neighbor’s insurance is going to pay for the damage. Typically, that’s not how it works.
If a healthy tree from your neighbor’s property falls onto your home because of wind or a storm, the damage to your home is generally handled through your own homeowners insurance — meaning your deductible applies.
That’s why it’s important to know what your wind/hail deductible is before the next big storm. In Louisiana, that deductible can be significantly higher than your standard homeowners deductible.
Many Louisiana carriers offer competitive rates with lower wind/hail deductibles, so you may have options.
Muslow Insurance Inc | Shreveport-Bossier
muslowinsurance.com
