Comments on: Who’s homeowners insurance is responsible to pay if my neighbors tree fell in my yard? http://homeinsuranceblognow.org/maintenance-repairs/whos-homeowners-insurance-is-responsible-to-pay-if-my-neighbors-tree-fell-in-my-yard-2/ Home Insurance Information Blog Thu, 27 Nov 2008 07:24:21 +0000 hourly 1 By: adam/penny http://homeinsuranceblognow.org/maintenance-repairs/whos-homeowners-insurance-is-responsible-to-pay-if-my-neighbors-tree-fell-in-my-yard-2/comment-page-1/#comment-230 adam/penny Fri, 14 Nov 2008 21:55:24 +0000 http://homeinsuranceblognow.org/ps/51#comment-230 no this is his problem to pay for. why should your insurance company pay? even if they did there is probably a deductible and your insurance would go up. his tree, his damage. ask him for his insurance carriers policy number and telephone number. no this is his problem to pay for. why should your insurance company pay? even if they did there is probably a deductible and your insurance would go up. his tree, his damage. ask him for his insurance carriers policy number and telephone number.

]]> By: cheezy http://homeinsuranceblognow.org/maintenance-repairs/whos-homeowners-insurance-is-responsible-to-pay-if-my-neighbors-tree-fell-in-my-yard-2/comment-page-1/#comment-229 cheezy Wed, 12 Nov 2008 21:13:39 +0000 http://homeinsuranceblognow.org/ps/51#comment-229 my tree fell in my neighbours yard & did damage to his property. I phoned my ins. company & they told me to tell him to call his insurance company. So I suppose it would be yours my tree fell in my neighbours yard & did damage to his property. I phoned my ins. company & they told me to tell him to call his insurance company.
So I suppose it would be yours

]]> By: Boston http://homeinsuranceblognow.org/maintenance-repairs/whos-homeowners-insurance-is-responsible-to-pay-if-my-neighbors-tree-fell-in-my-yard-2/comment-page-1/#comment-228 Boston Wed, 12 Nov 2008 17:34:14 +0000 http://homeinsuranceblognow.org/ps/51#comment-228 Call your insurance ASAP. If the neighbor's tree fell due to their own negligence (the tree was dead and rotted out but they failed to remove it, etc) then it is their responsibility. If the tree fell because of a storm or other act of God than your insurance should pay. Either way, this is for the insurance companies to work out. So call your agent, explain the situation, and let them work it out. Call your insurance ASAP.

If the neighbor’s tree fell due to their own negligence (the tree was dead and rotted out but they failed to remove it, etc) then it is their responsibility. If the tree fell because of a storm or other act of God than your insurance should pay.

Either way, this is for the insurance companies to work out. So call your agent, explain the situation, and let them work it out.

]]> By: bugear001 http://homeinsuranceblognow.org/maintenance-repairs/whos-homeowners-insurance-is-responsible-to-pay-if-my-neighbors-tree-fell-in-my-yard-2/comment-page-1/#comment-227 bugear001 Sun, 09 Nov 2008 19:25:23 +0000 http://homeinsuranceblognow.org/ps/51#comment-227 I'd turn it into my insurance company and let them figure it out. That's what they get paid for. I’d turn it into my insurance company and let them figure it out. That’s what they get paid for.

]]> By: chopsaw http://homeinsuranceblognow.org/maintenance-repairs/whos-homeowners-insurance-is-responsible-to-pay-if-my-neighbors-tree-fell-in-my-yard-2/comment-page-1/#comment-226 chopsaw Sun, 09 Nov 2008 15:38:22 +0000 http://homeinsuranceblognow.org/ps/51#comment-226 Yes , he should pick it up..........but your will also.........best way to handle it to maintain friendships...is have your I man talk to his I man..........all the best..........should be fine. Yes , he should pick it up……….but your will also………best way to handle it to maintain friendships…is have your I man talk to his I man……….all the best……….should be fine.

]]> By: oldehippy99 http://homeinsuranceblognow.org/maintenance-repairs/whos-homeowners-insurance-is-responsible-to-pay-if-my-neighbors-tree-fell-in-my-yard-2/comment-page-1/#comment-225 oldehippy99 Sun, 09 Nov 2008 05:47:40 +0000 http://homeinsuranceblognow.org/ps/51#comment-225 It was the negligence of your neighbour (in failing to trim the tree before it collapsed) that caused the damage to your goods. Clearly it is his responsibility to replace your goods. That said, your insurer should reimburse you immediately for your damages and then obtain compensation from your neighbour's insurer. Most homeowners policies specify that they will do just that -- but then by accepting the help, you assign to your insurer your right to recovery from your neighbour. This arrangement is much better than getting into a dispute with your neighbour. It was the negligence of your neighbour (in failing to trim the tree before it collapsed) that caused the damage to your goods. Clearly it is his responsibility to replace your goods.

That said, your insurer should reimburse you immediately for your damages and then obtain compensation from your neighbour’s insurer. Most homeowners policies specify that they will do just that — but then by accepting the help, you assign to your insurer your right to recovery from your neighbour. This arrangement is much better than getting into a dispute with your neighbour.

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