Trees are a beautiful addition to your home's landscape, however they will additionally cause real issues if a significant wind topples one, and it lands on your neighbor's property and damages their home. Who is legally to blame for paying to repair that damage?
If you answered, "I am," you'd be wrong. Your neighbor would have to be compelled to submit a claim to their homeowner's policy insurer to acquire any necessary repairs. Wind and lightning are typically lined perils during a normal HO3 homeowner's policy, or they're included during a homeowner's all-risk policy.
Since your carrier does not have to be compelled to pay, your policy will not be impacted, which suggests your insurance premiums will not increase. However, you continue to might not be off the hook for liability, as a result of your neighbor may arrange to sue you to hide their deductible.
The only instance within which you'd be needed to acquire the injury to your neighbor's property caused by your fallen tree is when the injury resulted from your negligence. you'll be held liable if your tree w...
