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Started By
Message
Hypothetical tree cutting accident
Posted on 4/25/22 at 5:27 pm
Posted on 4/25/22 at 5:27 pm
Hypothetically - if I hire a guy to cut a tree in my yard and in the process, the tree falls and hits my neighbors house, and the tree guy has no insurance, is it on him or on me?
This hasn’t happened yet…..but the chances are good.
This hasn’t happened yet…..but the chances are good.
25
Posted on 4/25/22 at 5:27 pm to latech15
On you
Posted on 4/25/22 at 5:29 pm to latech15
Probably both
Posted on 4/25/22 at 5:29 pm to latech15
If he doesn’t have insurance he likely doesn’t have any money to pay for damages either 
You are responsible.
You are responsible.
Posted on 4/25/22 at 5:29 pm to latech15
Don’t use uninsured is the correct answer. I’d say that the tree cutter is ultimately responsible but your hands will be dirty and brought into the suit.
Posted on 4/25/22 at 5:29 pm to Glock17
Its you.
Even if he fakes it. Its still on you for not "checking"
Even if he fakes it. Its still on you for not "checking"
Posted on 4/25/22 at 5:42 pm to latech15
On you. Have tree company provide you a copy of the insurance and call to verify. I forget what the form is called (similar to Dec page for your personal homeowners and auto), but they should be able to provide a copy pretty quick. I’d also check with your insurance to make sure you’re covered if you have an uninsured contractor working on your property.
Posted on 4/25/22 at 5:45 pm to latech15
Don't hire the "tree cutter" without insurance if this possibility is even a slight concern.
Next hypothetical......
Next hypothetical......
Posted on 4/25/22 at 5:49 pm to latech15
quote:
This hasn’t happened yet…..but the chances are good.
uh huh
So how bad is the neighbor's house fricked up?
Posted on 4/25/22 at 5:50 pm to latech15
The tree cutter’s name is Friday, right?
Posted on 4/25/22 at 6:04 pm to latech15
Posted on 4/25/22 at 6:05 pm to kywildcatfanone
Posted on 4/25/22 at 6:07 pm to latech15
Don’t hire anyone to cut a tree that can fall on someone else’s property that doesn’t have insurance. You are freaking nuts if do.
Posted on 4/25/22 at 6:12 pm to latech15
Worse than that would be one of his hired hands having an accident and getting killed on your property. If he doesn’t have workers comp, you would pay millions.
This post was edited on 4/25/22 at 11:39 pm
Posted on 4/25/22 at 6:13 pm to latech15
quote:
if I hire a guy to cut a tree in my yard and in the process, the tree falls and hits my neighbors house, and the tree guy has no insurance, is it on him or on me?
Read this out loud to yourself 10 times and then take an educated guess on the question you asked.
Posted on 4/25/22 at 6:16 pm to sec13rowBBseat28
Posted on 4/25/22 at 6:18 pm to sec13rowBBseat28
Who ever has the deepest pockets will pay up, doubt that will be the uninsured dude with the chainsaw.
Posted on 4/25/22 at 6:22 pm to Spankum
quote:
Word than that woul be one of his hired hands having an accident and getting killed on your property. If he doesn’t have workers comp, you would pay millions.
This can't be true. If it were, no contractor would ever pay workers compensation.
Posted on 4/25/22 at 6:27 pm to latech15
Posted on 4/25/22 at 6:37 pm to fallguy_1978
There was a really good one on America's Funniest Videos not too long ago. It was a huge tree that was a glancing blow on a house. It took half(ish) of the second floor of the house off, like knocked it off. It really was crazy to see.
This post was edited on 4/25/22 at 6:38 pm
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