Quantcast
answersLogoWhite
notificationBell

Top Answer
User Avatar
Wiki User
Answered 2015-07-16 18:10:20
Insured natural Acts?Fortunately, no one is held liable for acts of nature. If a tree fell on your house whether from your yard or some other yard due to a natural occurrence you should be covered under you own homeowners policy for the damage. Likewise if your tree fell onto your neighbors house, the damage would be covered by his or her Homeowners insurance.

I saw on one of the court shows where that exact thing happened. A tree fell into a neighbor's yard and damaged their fence. The neighbor tried to sue the guy who's tree had fallen. However, the judge said that it was not the guy's fault that mother nature caused the tree to fall. However, if the neighbor had given multiple written notices in advance asking the neighbor to please have the tree chopped down, the she would have had evidence that there was an on-going problem and the guy would have been responsible for damages to her fence.

The analysis is somewhat more complex, and involves the issue of negligence. Stated otherwise, if the was known, or should have been known, to be rotten or otherwise subject to collapse, its owner was responsible for attending to it. If it does cause damage due to its weakened condition, the owner's liability insurance should answer for the neighbor's damage. The failure to have attended to the tree when the owner know that it was likely to cause damage is the essence of negligence.

If, for some reason, the damaged party's insurer pays for the repair, it can subrogate against the tree owner (and his/her insurer) and attempt to recover its payment. That process is called subrogation.

001
๐Ÿ™๐Ÿฟ
0
๐Ÿคจ
0
๐Ÿ˜ฎ
0
๐Ÿ˜‚
0
User Avatar

Your Answer

Still Have Questions?

Related Questions

If your tree is hanging over onto a neighbors roof who is responsible for cutting the tree back?

you are responsible for your property. with that being said if your tree grows out of control onto your neighbors property then you must pay for the removal and its damaged that is caused.


Who takes away trees that fall on homes after a storm?

Generally, the homeowner is responsible for hiring a tree removal company to remove trees that fall on their property. Some damage is covered by homeowner's insurance.Generally, the homeowner is responsible for hiring a tree removal company to remove trees that fall on their property. Some damage is covered by homeowner's insurance.Generally, the homeowner is responsible for hiring a tree removal company to remove trees that fall on their property. Some damage is covered by homeowner's insurance.Generally, the homeowner is responsible for hiring a tree removal company to remove trees that fall on their property. Some damage is covered by homeowner's insurance.


Who is responsible for tree removal if our neighbor's tree fell over from a wind storm but got hung up in our trees and is not on the ground?

Nobody is liable for an act of nature. You are responsible for the portion of the tree that fell on your property. Your neighbor is responsible for the portion of the tree on the neighbors property.


Who is responsible if your neighbors dead tree falls and damages your property?

Each homeowner is responsible for removal of the portion of the tree that fell on their own property. As felled trees are a natural and expected occurrence no one is liable for an act of nature. Each homeowners property insurance will cover the cost of repairs for damages to your own property. You could only hold your neighbor liable for your damages if you could prove that he or she was aware the tree was a hazard and was negligent in mitigating the threat.


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


What does Debris removal mean under property insurance clause?

They'll remove the debris if your property collapses, m8


Is removal of trees knocked over onto a neighbor's property by wind during a storm covered by homeowners insurance - no building is involved?

Yes it is covered. If it can be proven that the neighbor was negligent in not removing dead trees that they knew were dead or should have known. In this case the neighbors homeowners insurance would pay for removal under their liability coverage. In most cases each company would pay for the trees on their property.


If a neighbor's tree falls into my yard is the neighbor responsible for debris removal and damage?

Felled TreesNobody is liable for an act of nature. Generally you will be responsible for the portion that fell on your property and your neighbor is responsible for the portion on his own property. If you have coverage on your property insurance for felled trees and debris removal you could report it to your insurer subject to your deductible. Barring some provable negligence on the part of the property owner there would be no liability for a natural occurrence.AnswerIts not your fault that your property happened to be next to their tree. It also depends on the cause of the fall. Was it natural, or did someone purposefully or accidentally knock it over? Almost everything counts.


Who is responsible if A tree limb fell during a storm uprooted sewer pipes on your property will your insurance cover it?

No one is "Responsible" for an act of nature. However, So Long as you have "Windstorm Coverage' your Homeowners Insurance Policy should cover the damage to your plumbing and may provide coverage for the trees removal. Contact Your Insurance Agent to determine if you have the applicable coverage.


If a tree fell in neighbor's yard during tornado does the tree owner pay or neighbor?

Nobody is liable for an act of nature. Each property owner would responsible for their own insurance to cover resulting damages and debris removal from their own property.


How herbivores are responsible for the removal of soil?

sometimes herbivores are responsible for the removal of soil .how?


Will homeowner's insurance pay for mold removal of mold caused by a neighbor draining water to your property?

Your neighbor's insurance company's liabilty coverage should pay for it and your insurance company should pursue it for you


Will homeowners insurance pay for removal of a tree that could be threat to property?

Homeowners Maintenance ResponsibilitiesActually, If you know the tree is a Hazard, You should have it removed. This is a maintenance issue, Not an insurance issue.The best way to "lose" your homeowners insurance policy is to use it as a home and property maintenance plan.


If my neighbor's tree falls on my house who is responsible for damages?

Fallen Trees and Home InsuranceFortunately, 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,Your own Homeowners insurance will cover damages to your own property.If your neighbors property also sustained damage, Likewise the neighbors insurance would cover damages to the neighbors property.You also may be covered under your own homeowners policy for debris removal depending on the circumstances and on your insurance coverage.In almost all cases in the U.S. barring some proven negligence it is our own responsibility. The average homeowner is not expected to be an expert on trees.Bear in mind, these rules may be different in other countries.AnswerThat depends on what caused the tree to fall. The mere fact that it was the neighbor's tree is not enough to create liability for damages on the tree owner. Trees can fall through no fault of the owner's, such as in a hurricane. In order to be able to hold the neighbor liable for damages, the homeowner must show that the treeowner's actions somehow contributed to it falling.


Will insurance Cover tree removal if struck by lightning?

Lightning Struck TreesIf you have an HO3 all risk policy you may have coverage for Removal of damage shrubbery and trees But Generally No. Most home insurance polices are on Form HO1 and HO2 and will not cover the cost of debris removal unless the felled tree has damaged a covered structure on your property.


Are debris removal companies required to have insurance to protect against injury or damage to property?

All legitimate businesses have insurance to protect against injury and/or damage to property. Before engaging the service of any contractor, it is wise to make sure that the contractor is sufficiently insured.


Who is responsible for mold removal costs in condo attic roof?

It depends on who owns the attic roof (ceiling?), and who has mold insurance. Read your governing documents to determine ownership, and then work with your board to determine who pays for mold removal.


Is there a specific insurance for debris removal businesses?

Debris removal is a standard coverage for commercial insurance. Check your policy for specific details.


If my neighbor's tree falls on your car who is responsible?

Fallen trees and Homeowners Insurance In the United StatesNo 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 the removal of debris on your own property. You may be covered under your own homeowners policy for the damages and removal depending on the circumstances and on your insurance coverage. In many states, the tree must damage a structure for the debris removal to be covered. In almost all cases in the U.S. barring some proven negligence or proof of prior knowledge of impending damage it is our own responsibility.Bear in mind that a homeowner is not expected to have the skills of an Arborists who could determine the helth of a tree. So basically our own insurance provides coverage for downed trees and other falling objects that end up on our property regardless of the source.AnswerIt depends on the circumstances. If a tornado comes through town and pushes the tree over onto the car, then that would be considered an "act of nature." But only if the tree was sick and the neighbor knew there was a danger from the tree, only with proof of prior knowlege would the neighbor be responsible.Bear in mind, these rules may be different in other countries.


What removal is the urinary system responsible for?

Removal of water, salt, and in some cases sugar.


When a fence is shared with a neighbor that is on the property line Who responsible for repair and removal of the fence?

I'm guessing the person who bough the fence I'm guessing the person who bough the fence


What is program insurance?

Program Insurance Brokerage was formed in 1993 to insure these industries. Individual Artists & Piercers, Independent Contractors and/or the Entire Shop Permanent Cosmetics Tanning Beauty Services Lasers & IPLs Pigment Lightening/Removal MCA/Needling Landlords Property Insurance.


Does home owners insurance cover fireplace removal- Home inspection did not reveal significant leaking behind the wall. After removal of the wall -it was determined the chimny and fireplace be removed?

No, Your Home insurance policy does not cover the cost of remodeling a home. Your Homeowners Insurance Policy typically provides Property Hazard insurance that covers sudden losses resulting from covered perils such as fire, lightning, wind, hail, theft, vandalism, etc.


Would insurance cover the removal of breast implants?

Could ins cover the removal of my Brest implants


Will home owner's insurance pay for the down tree removal cost from a storm in the property?

Not necessarily. Many policies include a clause specifically addressing tree removal, and very often this policy limits the payment for removal of downed trees to $500 -- and that's $500 TOTAL, not per tree. The only way to know for sure what your policy covers is to check your individual policy, and speaking to your insurance agent is always a good idea. You can sometimes purchase additional insurance for tree removal if you feel you may be at risk due to the number or size of trees that you have and the likelihood of major storms in your area.


Still have questions?

Trending Questions
What are fat burning foods? Asked By Wiki User
What is half of 16? Asked By Wiki User
Do potatoes have genders? Asked By Wiki User
Unanswered Questions