When storms blow through, some trees don't stand a chance.
Many times, fallen trees and broken limbs damage homes.
If you carry homeowners insurance you'll be covered for damage to a structure and its contents, as well as the cost of removing the part of the tree on your home.
Here's the confusing part.
If your neighbor's tree falls on your property and home, your insurance will have to pay for it.
Which means you'll need to pay your deductible, even if it's not your tree. There is an exception.
If your neighbor's tree was in bad health, or not properly maintained, and your neighbor had been notified it was a safety concern, and didn't do anything about the costs could fall on your neighbor to pay.
The key is you must have notified the neglected tree's owner before any damage is done.
One more note; if a tree falls on your property and doesn't land on your home or other building, it's not covered by insurance, and you'll need to pay the entire cost of removing it.
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