Photo by Jeffrey Blum on Unsplash
The fourth Nor'easter this month is heading our way. The National Weather Service says New York City and its northern suburbs could get 12 to 16 inches of snow. The wet snow and gusty winds may cause more trees to fall. Not sure who is responsible for the damage and clean up of Fallen trees and Limbs? New Agency Partners Answers some common Questions about Trees and Insurance coverage.
- MY NEIGHBOR’S TREE FELL IN MY YARD, BUT NOTHING WAS DAMAGED. WHO PAYS TO CLEAN IT UP? - Typically, the party responsible for tree removal is the owner of the property on which the tree fell.
- MY NEIGHBOR'S TREE FELL IN MY YARD AND DAMAGED MY PROPERTY? - If your neighbor’s tree fell on your fence, house, garage, patio furniture, fire pit, or some other piece of your insured property, you are still the responsible party because the damage occurred on your property. You can file a claim with your homeowner’s insurance for damage to the particular item and typically the policy will cover that item as well as the debris removal, subject to your deductible.
- BUT I’VE BEEN TELLING MY NEIGHBOR FOR YEARS THEIR TREE WAS DANGEROUS. DOESN’T THAT COUNT FOR SOMETHING? - Yes. If there is an ongoing and well documented history of you speaking with your neighbor over concerns about their tree, you may be able to file a claim against your neighbor’s homeowner’s insurance.
- WHAT IF THE TREE HITS MY CAR? - Damage to your car by a fallen tree is covered under the comprehensive portion of your auto insurance. If there is a cost to remove the tree from the vehicle on your property, this would typically be handled through your homeowner’s insurance, subject to the deductible.
All insurance policies are different. Be sure to review your insurance policy for specific information about coverages available to you.
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