Tree Fell On My Roof

[CAVA1990]

Originally Posted by Teebyrd86

Wait.. if it came from their yard dosnt that mean their insurance has to pay for the damage caused to your house?

No, I believe unless the tree was known to be a hazard (dead or diseased) it's your responsibility if it falls on your property.

[saganista]

Originally Posted by SunnaH

Interesting you say that. The adjuster that came was did not work for State Farm and he said I could probably save more money if I were to seek out independent estimates rather go who State Frm deals with as they may take every penny.

As the damage is apparently going to come to a fairly significant sum no matter who ends up handling it, you would do well to get several estimates from multiple sources. One important and often overlooked factor to weigh is the frequency of overruns beyond original estimates on major repair jobs and the potential for an insurance company to decline to cover those. That would leave you out of pocket for potentially sizable sums, and it might be cheaper in the long-run to go with other than the lowest bid/estimate guy if an otherwise comparable guy has an established track record with your insurance company.

[saganista]

Originally Posted by Teebyrd86

Wait.. if it came from their yard dosnt that mean their insurance has to pay for the damage caused to your house?

No. Damage to your property is covered under your insurance, no matter what the source of it. A tree from my southern neighbor's yard falling across the corner of my property and then onto the property of my neighbor to the east might be cleared by a single contractor, but he would submit three bills to three insurance companies based on the share of work done on each of the three affected properties. In a related notion, you can unilaterally prune back all the branches that overhang your property from a tree that itself is in a neighbor's yard.