What Happens When A Tree Falls On My Yard?

What happens when a tree falls from my neighbor’s yard damaging my property?
This may come as a surprise to some, however we would like to make it clear that if your neighbour’s tree falls onto your property and causes damage to your home, your homeowner’s policy will provide coverage for any damages up to your policy limits, after you pay your deductible. In other words, your neighbours home policy and your neighbour will not be effected. Aside from having a new grumpy neighbour that now have to live beside.

If a tree falls from my neighbours yard but does not damage anything, who pays to remove it?
Again, we hate to say it but you will have to clean this one up yourself or pay for a tree removal company to come and clean up the mess. Even if it is just the branches that come from your neighbour’s tree, you are responsible for the clean up. Unless, of course you can negotiate a deal with your neighbour and let them do the work. You think this would be a common courtesy but that is not always the case.

Can I cut down or trim my neighbour’s tree if I think it is dangerous?
If you think the branches of your neighbour’s tree are too close to your home, you can cut them back to the property line, as long as you do not injure the tree. You cannot cut down the tree or enter your neighbour’s land to trim branches without permission.

What happens if a tree falls on my car?
If a tree falls on your car, the comprehensive coverage of the vehicle owner’s auto policy will apply. Therefore, generally the owner of the tree is not responsible. If your tree falls on your neighbor’s car, your neighbor’s car insurance should pay the claim if your neighbor carries comprehensive coverage. If your neighbor’s tree falls on your car, your comprehensive coverage applies.

Source:  McDougall Insurance