However, there is an "if" to that question as with many insurance issues. If the tree was normally healthy and the wind blew it down is the first area to consider.
1- Your insurance company would not pay for damages to the neighbor simply because you have no legal liability to the neighbor for the act of nature that caused the loss. Your first-party insurance is specific to you and your property, not his.
If the tree was obviously dead and you had prior notice from obvious observation or actual notice from the neighbor (usually by certified mail) of the dangers, you would have had a duty owed to the neighbor to abate that danger or hazard. Your failure to abate the danger would be the causal relationship to his damage.
2- In the above case, the insurance carrier would possibly pay for the damage to the neighbor out of the liability portion of your policy. The reason for this is the verbiage: "we will pay all sums you are legally liable to pay" in the liability section of the policy.
Disclaimer: This is general in nature and should not be used in any specific case or tort. Each carrier and each jurisdiction may have varying opinions in this area.
3. Furthermore, if your own insurer paid the claim resulting from the fall of a neighbor's tree, the payment would be subject to the policy deductible. The deductible is the amount set forth in the policy that you have agreed to pay toward the repair of a covered loss. In return for its payment, the insurer would succeed to whatever rights that you had to recover its payment, which is a process called subrogation. You are not a party to that action (unless you choose to be in order to recover your deductible), but you are likely to be a witness at any trial that is held.
The responsible party would be Mother Nature. Unfortunately she does not carry liability insurance.
In general, no one is responsible or financially liable for acts of nature as they are beyond our control. Only indisputable proof of intentional planned or wanton negligence could change this principle of liability.
If your neighbor's tree falls on your house, your insurance will cover you. If your tree gets blown into your neighbor's house, the same applies. His home insurance would cover him. It does not matter who's tree it was.
If the damage is that the tree is down somewhere out on the property, then it just depends on whether you have debris removal or landscape restoration on your policy. Otherwise each homeowner is responsible for the removal of that portion of the tree that fell on their property.
It depends on the intensity of the hurricane. A category 1 storm will do minimal damage to homes while a category 5 will destroy almost every home in its path. There are many variables involved in what causes damage in a hurricane. There is the actual wind damage. Then their is the damage caused by the storm surge. The storm surge is the result of when the hurricane's eye passes over land. Their is a wall of water that is pushed by the hurricane when it comes ashore this is the storm surge. Flash floods are also something else that can cause damage. Flooding can occur over a very large area far away from the eye of the storm. Most homes damaged in a hurricane are from flooding and then comes the wind damage. Also waves whipped up by the storm can cause tremendous damage. Also hurricanes can cause landslides. Also it is not uncommon for hurricanes to produce tornadoes. Mobile homes are easily damaged by hurricanes. Poorly constructed wooden homes can also be blown down. It really comes down to how the house was built. What kinds of standards were used in the construction of the home itself. Many hurricane prone areas have strict construction codes for newer buildings.
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