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If a neighbors dead tree in their yard falls and hits another neighbors house
Posted on 3/29/20 at 11:49 am
Posted on 3/29/20 at 11:49 am
Who is responsible for damages?
2
Posted on 3/29/20 at 12:01 pm to NPComb
Document the dead tree via a certified letter and then if it falls, it is a liability claim against the tree owner’s homeowner’s insurance.
This post was edited on 3/29/20 at 12:02 pm
Posted on 3/29/20 at 12:25 pm to wickowick
Thank you, Wick!
Posted on 3/29/20 at 12:28 pm to NPComb
Wick is correct. If the tree is dead and it is documented correctly and the homeowner who owns the tree did not mitigate that hazard then it’s on them.
Random healthy tree falls over during storm? Then you’re on your own.
Random healthy tree falls over during storm? Then you’re on your own.
This post was edited on 3/29/20 at 12:29 pm
Posted on 3/30/20 at 9:38 am to DukeSilver
To further expound, documented correctly may need to be by an aborist unless it is abundantly clear by a common person that the tree is dead.
Posted on 3/30/20 at 9:58 am to NPComb
Let’s say, I’m the homeowner with the dead tree. The letter comes to me. Do I have to come out of pocket or could my homeowners insurance pay for the removal of the tree?
Posted on 3/30/20 at 10:13 am to CoachChappy
Depending on the size of the tree it is probably better to just pay for it yourself rather than a deductible and increase in rates
Posted on 3/30/20 at 10:27 am to CoachChappy
quote:
Do I have to come out of pocket or could my homeowners insurance pay for the removal of the tree?
Pretty sure out of pocket. Had a friend check on this with his insurance company regarding dead pine tree removal (pine beetles), he’s was told out of pocket, but no issue with paying for repairs if said tree fell and damaged his house. This was a few years back.
Now, a number of years ago (30+) I had a massive red oak tree hit by lightning which killed the tree, my policy (State Farm) paid a max of $500 towards the tree removal, which at the time cost me $1,500. Whether that was a result of the tree being killed by by a lighting strike, vs some other form of death, I just don’t remember.
Posted on 3/30/20 at 11:00 am to CoachChappy
In most states, trees have limited covered under a homeowner’s policy, for the most part, that is fire and lightning and typically have a limit per tree of $500.
Unless the tree can be verified to have been hit by lightning, typical lightning strike signs, there would be no coverage for the tree removal.
Unless the tree can be verified to have been hit by lightning, typical lightning strike signs, there would be no coverage for the tree removal.
Posted on 3/30/20 at 11:05 am to CoachChappy
quote:
Let’s say, I’m the homeowner with the dead tree. The letter comes to me. Do I have to come out of pocket or could my homeowners insurance pay for the removal of the tree?
Insurance is almost as in 99.9999% of the time not going to cover preventative work. You can't say my pipes are 100 years old I'm bound to have a leak. Its your job to fix your pipes before they leak. Same thing with trees. If you have a dead tree, its your job to fix the dead tree. Furthermore, if you knew about an issue and don't fix it insurance may not cover you.
If you knew a tree was dead and you were told to cut it down, and then it falls on your house...you may not have coverage.
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