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Aug 02, Even if the fallen tree belonged to your neighbor, you must claim on your homeowner insurance. Your insurance carrier will do its best to recover the costs from your neighbor's insurer through the subrogation process. Feb 15, Trees can be tricky, but for the most part homeowners are responsible for what falls into their own yard.

It becomes their tree.

So if a storm causes your neighbor’s tree to fall in your yard, your homeowners insurance could help cover the cost of removing the tree and remedying the damage it caused on your property, after your treeclear.barted Reading Time: 3 mins.

What happens if your neighbor's tree falls? Your homeowners insurance may help pay for repairs if it damages your home. Remember: You'll typically have to pay your deductible before your insurance will help pay for a covered loss, and coverage limits will treeclear.barted Reading Time: 6 mins. Removal of the fallen tree: Property coverage in your homeowners policy would pay for the removal of fallen trees on your property, as long as the cause of the fall was a covered peril.

Depending on the policy, covered perils often include hail, ice, snow, sleet, or wind. So basically, in the event of a Estimated Reading Time: 7 mins.

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Sep 18, If your tree falls onto your neighbor’s property, the first thing your neighbor should do is submit a claim with his or her own insurance company. Their insurance firm will usually be responsible and will handle all damages. If the tree fell due to nature, it’s almost always the case that the neighbor’s insurance company takes over and handles everything. For instance, it’s not your responsibility if the Estimated Reading Time: 4 mins.