re: Neighbor's tree fell on my fence today

100 percent this is your responsibility (or rather your insurance's responsibility). No question. No debate. You own the problem if it crosses onto your property per law.

However, should the neighbor offer to help you clean up the mess and perhaps reimburse you a little (perhaps the deductible)? If they are a good neighbor and care about a good neighborly relationship...yes.

For example, last year during a wind storm my tree fell onto my neighbors fence and shed. Destroyed both. The next morning I called my insurance company and they said that the neighbor's insurance must cover it.

Then I met with the neighbor and he said the same thing. I offered to pay his deductible and he refused. He even laughed and said, "Don't worry, my insurance will cover this."

However, I felt so bad that my tree caused destruction on his property that I insisted on at least giving him a couple hundred dollars to put to his deductible.

I think that proved that I was a good trustworthy neighbor.