<div class=”d4p-bbt-quote-title”>Bearcat89 wrote:</div>
If your tree damages his fence in a fall, it’s your issue not his.
That’s not true. I called my insurance agent and she said if any damage occurs, their owners homeowners insurance covers it. Like if it had landed on his house, shed, or a fence. It pays for the damage and removal of the tree. That’s why I was initially confused on the subject because property damage is the responsibility of the property owner. In this specific case, there was no damage.
He wasn’t around yesterday when I noticed it down so I couldn’t talk to him but I did talk to him later on. We agreed to address it together.
Gim is correct. If your tree falls on the neighbors house, it falls under the neighbors insurance as far as a claim goes. If the neighbors tree falls and damages your home or property, It falls under your homeowners insurance. As far as the tree removal goes, work that out between you and the neighbor. I would not be on a neighbors land cutting a tree without discussing it with him First.
Side note here. On most insurance policies, If a tree in your yard falls on your property and does not damage any property. Normally a claim will not cover the cost of the tree removal. If the fallen tree does damage to some property – Then the tree removal cost does usually get covered through the claim.