Lastly, don't hesitate to shop around. If the tree trunk is on the property line, you are both equally the owner of the tree. Please subscribe today to NJ.com. Should I appeal that increase since it was no fault of mine that someone else's tree fell on my house? Before getting upset, remember that it is very likely that your insurance will cover any damages and the cost of removal as well. If your tree or a portion of your tree falls on your neighbor’s property and the tree has obvious signs of disease or rot, or if your neighbor had filed a complaint with the town or with you about the hazard, you may be liable for any damage caused. For example, if a healthy oak tree on your property fell through your neighbor’s roof due to Hurricane Irma’s winds, you are not liable for those repairs. If the tree was left in a state of decay and that condition caused its fall, then your neighbor is liable to you for the cost of repairing the damage to your house and for the removal of the tree from your property coupled with the damage to your garden, grass, etc. It is important to take pictures before the tree is removed, in order to document it for your insurance company. It said coverage is generally limited to 5% percent of the amount of insurance on the structure of your house, and there’s usually a cap. Heavy winds and even tornadoes did a job on trees, which fell across roads and onto homes and cars throughout the state. In fact, your insurance provider may handle any negligent … The material on this site may not be reproduced, distributed, transmitted, cached or otherwise used, except with the prior written permission of Advance Local. "In general, the age, size, replacement cost of your home, credit score and type of construction are all going to factor into the calculation," she said. You might be desperate to remove a tree, but don’t rush it. The same rules apply above in that most carriers will not cover the debris removal of a tree that does not cause damage to a covered structure. I've tried to be a good neighbor, but they have not been due to many other reasons. If your neighbor’s tree falls during a storm and damages your house, you should still be covered by your homeowners insurance policy. When leaves fall from your tree and create debris in … There could be other reasons, but to be sure why, you need to talk to your insurance agent to see what's behind the curtain. The Town came and cut down half the tree to clear out the road. Even if a construction contractor you hired is the one who caused your tree to fall, you may still be held liable, as long as your neighbor can prove that your negligent direction led to the tree's demise. Tree Removal Coverage . “It is important to make sure that the company is qualified to do tree work and fully insured in case an accident happens,” the board’s website said. Note to readers: if you purchase something through one of our affiliate links we may earn a commission. Tree disputes can take many forms, such as trees that fall on a neighbor's property and cause damage or circumstances where a neighbor's tree blocks what would be a scenic or otherwise pleasant view. Because of that, my insurer has increased the premium on my homeowner's insurance. If you live in New Jersey and are encountering a problem related to property lines, boundary fences, or tree branches, consider exploring your legal options. You may also get a discount if you've been a customer for a long period of time, pay in full, are a non-smoker, are married or retired or live in a gated community. When I called the property manager, who is overseeing the rental property, she told me in Oklahoma the policy is for the homeowner with the damaged property to turn it over to their insurance carrier. “After a hurricane or windstorm, trees, shrubs and branches can become projectiles capable of traveling significant distances and of causing considerable damage to property,” the institute said. Or, it falls onto your neighbor's property and damages something. Neighbor’s Trees Overhanging Your Property? If your neighbor’s tree falls during a storm and damages your house, you should still be covered by your homeowners insurance policy. My neighbors tree fell down in my yard during a wind storm. It is difficult to predict where a tree will fall, but landing on a neighbor's house is well within the realm of possibility. It is usually the responsibility of the homeowner whose property was damaged to file a claim with their insurance company for the necessary repairs, said Claudia Mott, a certified financial planner with Epona Financial Solutions in Basking Ridge. What to Do . The neighbor insists that we have to pay for their damage. While you may adore that special tree that sits near the property line between you and your neighbor, your neighbor may feel differently. A neighbor's large tree fell on my house and it took tens of thousands of dollars to repair the damage. But what you can do is express concern that his or her tree is at risk of damaging your property the next time a … Plus, some home improvements such as leak sensors, upgraded roofing materials, anti-theft systems can also help reduce premiums, she said. If New Jersey does not have such a law, general New Jersey criminal statutes, such as those related to theft or property damage, may still apply. Can My Neighbor Come on My Yard? 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