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If you don't have homeowners insurance you just have to remove the tree and fix the damage yourself.

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โˆ™ 2012-09-30 20:42:32
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Q: How about if you do not carry a homeowners insurance and neighbors tree falls on your roof?
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What insurance covers homeowners falls in his home?

Health insurance is the only thing that would cover falls of a homeowner in the home. Homeowners insurance is certainly not intended to cover this type of accident.


Who is responsiable when a tree falls on neighbors car?

Mother Nature would be the "responsible" party. The homeowner is not "liable" for acts of nature. Your homeowners insurance is not responsible for a natural act that causes damage to property of another. Your neighbors car is not listed as covered property on your Homeowners policy. Your homeowners insurance would also not pay if the tree fell on your own automobile. If a tree falls on someones car they should file a loss claim with their Auto Insurance Company. If they have comprehensive coverage then it will take care of their loss.


Does homeowners ins cover your neighbors house if a tree you cut falls on it?

Yes, this would fall under a liability claim under your homeowners insurance. They are limited on how much they will pay out, depending on much liability you bought in the first place. Mark Owner of Denvers Insurance


Who is responsible if neighbors tree falls on your car?

Mother Nature might be the responsible party, but unfortunately, She does not carry a check book. Such incidents are generally considered an "act of nature". No one is legally liable for an act of nature, and Homeowners property insurance does not cover damage to automobiles at all. That's what car insurance is for. You will have to look to your auto insurance policy for coverage.


Does home owners insurance cover accidental falls?

It depends on the circumstances. Most homeowners insurance policies will cover some of the medical expenses if a person falls and gets hurt on the homeowners property, but only if the homeowner was negligent.


Tree falls on car on a rental property does homeowners insurance cover it?

No Homeowners insurance does not provide coverage for automobiles. You would have to look to your auto Insurance to file a comprehensive claim. No one is liable for an act of nature.


If a tree falls on your moon roof what insurance coverage do you use?

File a claim on your comprehensive auto insurance if you have it. Your homeowners insurance will not cover damage to your vehicle.


If a tree in my backyard falls and does damage to neighbors privacy fence is my HO insurance liable for all costs or is his?

No, His insurance will cover his fence. Your home insurance is specific to your property and no one is liable for an act of nature,


Will Homeowners insurance cover replacement of all brick on house if one brick wall falls off after foundation settles?

No. The insurance will only cover the replacement of the one brick wall that falls.


Are you solely responsible to pay for damages if a tree in your yard falls into your neighbor's yard and damages his fence?

No. Mother Nature would be the "responsible" party. The homeowner is not "liable" for acts of nature.Your homeowners insurance is not responsible for a natural act that causes damage to property of another. Your neighbors fence is not listed as covered property on your Homeowners policy.If a tree falls on your neighbors property the neighbors insurance coverage would invoke, it does not matter where the tree came from. Likewise if a tree falls on your property due to a natural occurrence your own homeowners insurance policy would cover you.AnswerIf the tree was healthy and you had no complaints from your neighbor and a wind storm came up and blew it over you may have a nice enough neighbor that will share the cost of a new fence.AnswerAccording to my insurance agent, so long as there is no negligence on the part of the tree owner it is an "Act of Nature". Thus the fence owner would need to pay to make repairs if they want it fixed. My insurance covers me if my neighbor's tree falls on my house. I can't imagine the company paying for anything that they could make someone else pay for.


If a tree falls and damages a roof of his own house on his property in a icestorm will homeowners insurance cover the damage?

absolutely yes


Who is liable when your neighbors rotten tree falls on your house or car falls on your property?

In general, Nobody is liable for an act of nature. Your auto insurance comprehensive coverage would cover damages to your car. Your homeowners insurance will cover damages to your home. The neighbor would be liable only if your can prove the neighbor knew the tree was rotten and posed a risk. If a car falls on your property, that would mean a tornado picked it up and it fell on your home. You insurance would cover that damage.


If a tree in your yard falls on a power line then the power line gets ripped out of your neighbors roof does your insurance cover it or does the neighbors insurance?

Generally the other persons insurance would cover this. However, it is best to check with your insurance company as they may be legally liable to pay it depending on the laws in your state.


Are you liable if your fence falls on your neighbors car during a hurricane?

No, nobody is liable for an act of nature. Your neighbors will have to look to their own Comprehensive Auto Insurance to cover windstorm damages to their vehicle


Whose insurance is responsible if a tree on your property falls and damages another person's vehicle during clear weather?

Weather doesn't matter. Your HomeOwners Insurance would be responsible for those damages.


If your neighbors live tree falls on your house who is responsible?

Generally, Mother Nature would be the responsible party. Unfortunately she does not carry a checkbook.Fortunately, In the United States at least, no one is held liable for acts of nature. If a tree fell on your property whether from your yard, your neighbors yard, blown in from from some national forest down the street or some other yard due to a natural occurrence you are responsible for your own property. You may be covered under your own homeowners policy for the damages and debris removal depending on the circumstances and on your insurance coverage.Your own homeowners insurance should have coverage for natural hazards such as this.Likewise, If your neighbor sustained damage as well whether from his own felled tree or if your tree fell onto his property. His own insurance would cover the damage


Is your landlord responsible if a tree limb falls and damages your car?

No. This is why landlords require tenants to carry renter's insurance. Call your car insurance provider.


Can you get your homeowners policy to cover damage to your car if the roof fell onto the car?

House Falls on CarNo. That's what Auto insurance is for. It's the same as if a tree falls on your car. You would need to look to the comprehensive portion of your auto insurance policy for repair of your automobile.


Who is liable if a person's tree falls on a neighbor's house?

Nobody is "Liable" for an act of nature. It does not matter if it was your tree, your neighbors tree or a tree that blew in from 8 blocks away. Your own homeowners insurance policy will cover your property. If your neighbor sustained damage, Your neighbor's Insurance policy would cover damages to his property. Just notify your home insurer of your loss.


Neighbor tree falls on your house who is responsible to remove it from your home?

If a tree falls due to a natural occurrence, No One is liable for an act of nature. It does not matter where the tree came from. Your insurance would fix your property and your neighbors insurance would fix his property in the same situation.


Will your entire roof be replaced when tree falls and damages only part?

No, your insurance contract specifies coverage for certain damages that result from the covered perils listed on your policy. Homeowners insurance can not provide coverage for things that are not damaged.


Is your car covered by homeowners insurance if stuck by lighting in driveway?

No, Homeowners insurance does not cover vehicles, That's what Auto Insurance is for.. It does not matter where the vehicle was parked.If a tree falls on your car or your car is struck by lightning, hail damaged or whatever, makes no difference. When you purchase your auto Insurance you have the option to buy liability or full coverage. Any damage to your vehicle would have to be filed against your auto insurance policy.AnswerShould be. Same thing if a tree fall on it. no coverage from your home policy.


What insurance covers if a tree falls on vehicle from neighbors property auto or home?

Your auto insurance comprehensive coverage would pay for damage to your auto. The only way that the neighbors homeowners policy could offer coverage is in cases where the tree in question was a known hazard and if you have notified the neighbor of such in writing. Coverage may be offered if the neighbor knew the tree was a hazard. This may be hard to prove what someone knew. If a storm knocked down a live tree then the neighbor has no liability as it is considered an act of nature. In this case you better have physical damage on your auto policy. The neighbors and your homeowners policy may pay for the cleanup of the tree but this depends on the policy and regulations in your state. For full disclosure, I own and operate a small Independent Insurance Agency in Gordon, Georgia and have for 22 years. I also worked as an agent for a direct writer for 3 years before that.


Neighbors tree fell on your house who is liable?

Barring some provable negligence, Nobody is liable for an act of nature. Your home insurance should provide coverage for a natural hazard such as this, Likewise if your tree fell on your neighbors house, the same would apply. The neighbors insurance would take car of the neighbors house.Depends on a lot of things. Generally, the tree is considered part of the land. Where it falls is who is initially responsible for the damages. From there, it gets legal depending on multiple factors.


If someone other than a resident of your home falls on a step is your homeowners insurance responsible?

They could sue you for negligence and loss would be covered under your liability section of your homeowners policy. Also, they could recover doctors bills or medical for the incident under your guest medical coverage.