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Old 11-01-2011, 12:08 PM
 
13 posts, read 24,209 times
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Based on my experience with a fallen tree, my insurance company said that as long as the tree was alive prior to it falling, then its the responsibility of the homeowners. Meaning, your tree falls on my yard, its my insurance. @ least that in TN. not sure if its the same here.

I had my tree fall on my neighbors yards and I called the insurance right away and thats what they told me. I was surprised, but oh well.
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Old 11-01-2011, 04:13 PM
 
432 posts, read 1,140,078 times
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Make sure you take pictures before anything gets removed.
They may be necessary to be reimbursed by an Insurance company or for other reasons.
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Old 11-01-2011, 07:05 PM
 
1,787 posts, read 4,800,063 times
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If your neighbor's tree was dead [and he knew it] and you can prove neglect, then your neighbor would be responsible. If the tree was alive when it fell, then it is an act of god and the insurance won't cover anything unless the tree damaged structures or vehicles.

I had a 100-year old tree fall into two of my neighbors' yards...HUGE tree took out three other trees on the way down...insurance didn't cover squat. We all cut and moved it and the part of the tree that was just too big to deal with was removed by a tree person, at my cost.
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Old 11-02-2011, 08:21 AM
bay bay started this thread
 
425 posts, read 2,590,236 times
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well...I called power company once again to report down tree and down wire yesterday afternoon. Luckily, I got to talk to the real person. Last night when my husband went back to check, the trunk was chopped and branches are moved aside. Now we just need to take some time to chop/clean those big branches in my front yard. Township website stated that they will start wood chipping as soon as possibl.
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Old 11-02-2011, 10:12 AM
 
Location: Splitting time between Dayton, NJ and Needmore, PA
1,185 posts, read 3,405,686 times
Reputation: 750
Absolutely take pictures of any damage AND of the tree. You want to be able to show where it lies on you property relative to your neighbor's property.

My next statement is not a reflection on neighbors, just a comment on self-sufficiency. Don't rely on neighbors to report stuff, even if they work for the town you live in. Make the call to the Public Works Department. If that line is down, call the non-emergency number for the police and ask them who you should contact.

Regarding your liability and who pays for what, that will all depend on how your policy is written. You should notify your insurance agent immediately of the situation. In turn, they should send out an adjuster to look at the damage or give you authorization to have a tree service come in and remove the portion of the tree that is on your property.
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Old 11-02-2011, 01:36 PM
bay bay started this thread
 
425 posts, read 2,590,236 times
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There is no damage to the house. All fell into our property are big branches, but they are not anywhere near the house. All my flower beds are not even touched by those fellen branches. The trunk is on the street. Our front setback is 50 feet which leave plenty of space when neighbor's tree fell. If there is no damage to the house, should I still call insurance company? I do have pictures I took on Sunday while those branches are still cover by snow.
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Old 11-02-2011, 03:20 PM
 
1,787 posts, read 4,800,063 times
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Call your insurance company and ask about your coverage, unless you have a copy of your policy. But, if there's no damage, what would you want covered?
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Old 11-02-2011, 03:57 PM
 
13,566 posts, read 16,078,259 times
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Quote:
Originally Posted by bay View Post
There is no damage to the house. All fell into our property are big branches, but they are not anywhere near the house. All my flower beds are not even touched by those fellen branches.

Quote:
Originally Posted by timneh5 View Post
if there's no damage, what would you want covered?

Exactly.
Unless you have actual damage and can file a claim based on that damage, why would you be calling your home insurance company?

If you just need to chat, there are chat lines that you can use, rather than calling your insurance company and wasting their time.

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Old 11-02-2011, 04:08 PM
 
Location: Splitting time between Dayton, NJ and Needmore, PA
1,185 posts, read 3,405,686 times
Reputation: 750
Quote:
Originally Posted by bay View Post
There is no damage to the house. All fell into our property are big branches, but they are not anywhere near the house. All my flower beds are not even touched by those fellen branches. The trunk is on the street. Our front setback is 50 feet which leave plenty of space when neighbor's tree fell. If there is no damage to the house, should I still call insurance company? I do have pictures I took on Sunday while those branches are still cover by snow.
If there is no damage to the house, then there is no reason to call the insurance company.

Keep the pictures just for future reference.
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Old 11-03-2011, 08:33 AM
 
Location: Randolph, NJ
4,074 posts, read 7,049,393 times
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Quote:
Originally Posted by timneh5 View Post
I had a 100-year old tree fall into two of my neighbors' yards...HUGE tree took out three other trees on the way down...insurance didn't cover squat. We all cut and moved it and the part of the tree that was just too big to deal with was removed by a tree person, at my cost.

Need more of this. People actually just rolling up their sleeves and dealing with the problem, together as neighbors.
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