Even if you maintain a good relationship with your neighbor, sometimes even a small conflict can create a huge impact on the relationship. A common scenario is when a tree from your premises falls on your neighbor’s yard, garage, or even home.
In such a case, it’s good to understand the property insurance rules for a smooth and swift resolution.
When Nature Is Responsible
Many people assume that they are liable if the tree is inside their property. However, this is not the case. For example, the tree can fall due to an event that is not in your control, such as a natural calamity, including a storm, hurricane, or earthquake.
In such a case, you are not liable to pay for the damages. Instead, your neighbor will have to file a claim with their insurance policy if they have adequate coverage.
When You’re Cutting Down a Tree
In case a tree falls while you are cutting it down by yourself without any professional support, you are liable to pay for the damages. If you do have professional support, your service provider is liable for the damages.
When the Tree Is Dying or Unstable
If you know that your tree is weak, unstable, or dying, but have not removed it from your property, it is considered negligence, and you can be held liable for the damages caused.
Even if the tree falls during a very light storm, you will likely be held responsible for any damages to your neighbor’s property. To avoid such a scenario, make sure all your trees are in good condition and remove the ones that are likely to cause damage.
Now, you know in what situations you are liable if a tree falls over your neighbor’s property, so act accordingly. Are you looking for assistance with your home insurance needs? Contact the experts at the Scavone Insurance Center in White Plains, New York today.