October 15, 2008
Who’s homeowners insurance is responsible to pay if my neighbors tree fell in my yard?
kaybird00 asked:
The tree collapsed into my yard causing my grill and table umbrella to break, also broke the fence. He had the tree removed and repaired the fence but who pays for my broken stuff. The neighbor is saying that my homeowners insurance pays but shouldnt’s it be his???
The tree collapsed into my yard causing my grill and table umbrella to break, also broke the fence. He had the tree removed and repaired the fence but who pays for my broken stuff. The neighbor is saying that my homeowners insurance pays but shouldnt’s it be his???
Filed under Maintenance & Repairs by admin
Comments on Who’s homeowners insurance is responsible to pay if my neighbors tree fell in my yard? »
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.
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.