Homeowners Insurance Faq:

Does my homeowners insurance cover a tree in my neighbor’s yard that damages my home?

If a tree from your neighbor’s yard falls or drops a limb on your home, leaving damage to your roof, siding, or windows, you may be wondering whether your insurance or your neighbor’s insurance will cover your damages. Most of the time in a situation like this, it will be your own homeowner’s insurance that will pick up the bill for damages after, of course, you pay your deductible.Home Insurance

After your neighbor’s tree falls, you should assess the damage and call your insurance agent. The process of making a claim against your homeowners insurance can be rather complex, but the insurance company should be able to help you with it. Basically, you’ll have to do what you can to fix the damage until the insurance company files the claim and writes you a check to pay to have a professional fix the damages.

Because this insurance claim will come through no fault of your own, you probably won’t see a raise in your homeowners insurance rates, but you may ask your homeowners insurance company about a possible increase in rates. If the claim may cause your monthly payments to go up, you can consider paying for the damages yourself if they amount to less than several hundred dollars. In the long run, you’ll end up saving money anyway.

If your neighbor’s tree ends up damaging your detached garage or garden shed, you may have to check to be sure that your homeowners insurance policy will cover the damage. Some homeowners insurance policies will only cover damages to the structure in which you actually live, so if you have one of these policies, you’ll have to pay for the damages out of your own pocket. If, on the other hand, your policy covers damages to all the buildings on your property, you’ll be able to file a claim for the damages.

Remember that you need to keep the trees on your own property properly maintained, too. If your trees fall and damage your own home because they are rotten or have already been damaged by a storm or high winds, you may not be able to claim the damages on your insurance, or you may see a rise in your premiums since the damage was partially due to your negligence.Home Insurance

For the most part, if your trees damage your neighbor’s home, they may pay for the damages with their own homeowners insurance. However, you should have liability insurance just in case your neighbor’s decide to sue for damages to their home. The liability insurance that comes with your homeowners insurance should be enough to cover these issues.

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