Tree damage to property can leave homeowners feeling frustrated and unsure about what to do next. Whether a storm knocked over a tree onto your roof, or a neighbor’s tree caused damage to your fence, understanding your legal rights is essential. Knowing who is responsible and whether insurance will cover the costs can make navigating this challenging situation easier.

Common Causes of Tree Damage to Property

Cases like these result from the following situations:

• Storms and Severe Weather: High winds, heavy snow, and lightning can easily topple trees.
• Neglected Maintenance: Poorly maintained or dead trees can become dangerous hazards.
• Tree Roots: Overgrown roots can damage foundations, sidewalks, and underground pipes.

For helpful tips on preventing tree damage, visit the National Arbor Day Foundation.

Who is Responsible for Tree Damage to Property?

Liability depends on several factors:

• Tree Owner Responsibility: Property owners must maintain trees on their land.
• Neighbor’s Tree Damage: If a neighbor ignored signs of a dangerous tree, they may be liable.
• Acts of Nature: In cases of storms, liability may shift to your insurance.

Does Insurance Cover Tree Damage to Property?

Insurance coverage depends on the specifics of your policy:

• What’s Covered: Damage to structures like roofs or garages caused by falling trees.
• What’s Not Covered: Costs for removing a healthy tree that caused no additional damage.
• Vehicle Damage: Comprehensive auto policies may cover damage to cars from falling trees.

For a detailed breakdown of insurance policies, visit the Insurance Information Institute.

What to Do After Tree Damage to Property

If you’re dealing with property damages like these, follow these steps to protect your interests:

1. Document the Scene.
   Take clear photos of the damage and the tree itself.
2. Contact Your Insurance Provider.
   See if they can cover tree damages to property. If so, inquire how to file a claim and provide thorough documentation.
3. Hire a Professional.
   Use certified tree services to remove debris and assess further risks.
4. Consult a Property Damage Attorney.
   If liability is unclear, a lawyer can help you understand your options.

For tips on hiring reputable tree care services, check out the Tree Care Industry Association.

Conclusion

If you’ve suffered property damage from a tree, don’t navigate the legal and insurance hurdles alone. Contact our experienced property damage attorneys today for a free consultation. We’ll help you determine liability, handle claims, and fight for the compensation you deserve.

To learn more about how we can help you, give us a call at (888)333-9833 to request a free lawyer consultation.