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A large tree in our yard is leaning and posing a threat to my neighbor's house Can either of us file a claim citing a potential hazard?
Wiki User
∙ 7y ago
No,, Insurance policy does not provide coverage for routine maintenance such as landscaping, overgrowth control or regular Tree trimming. These ongoing maintenance needs are considered a normal expected part of home ownership.
If you are aware of a maintenance issue that is a hazard to yourself or others, including the property of others. It is the responsibility of the property owner to take preventative measures or they could lose coverage. The property owner could also find themselves subject to a law suit and could be found liable for injury or damages. Negligence is generally not a covered peril under a home insurance policy.
Wiki User
∙ 6y ago
Wiki User
∙ 6y agoInsurance is not designed to pay for potential claim situations. You do have an obligation to have the tree cut down since you know of the risk. You neighbor also has a good case against you for negligence under these circumstances. You policy also states that you are obligated to take necessary action to mitigate your damages. This means they will probably not pay for damages caused by your negligence and lack of action.
Wiki User
∙ 7y agoYou have an obligation to remove the tree since it is on your property. If it falls on your neighbors house you will be held liable for the damages. They can sue you.
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