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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.

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โˆ™ 2015-06-05 03:50:11
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โˆ™ 2015-06-05 03:44:05

Storm-Damaged Trees

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.

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Q: Who is responsible for damage from a tree blown over in a storm?
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The worst storm happened in 1900 in Galveston, Texas when a hurricane hit the area. Over 6,000 people lost their lives and the storm caused billions of dollars worth of damage.

How many homes are destroyed by hurricanes?

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.

The typhoon and the disadvantage of the typhoon?

A typhoon is a storm system that forms over the waters of the oceans. The disadvantages of the typhoon is the property damage, land damage, and deaths that occur with these massive storms.

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Which storm is most dangerous and produces the most damage?

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What is the length of water called over which the wind has blown?

A length of water over where the wind has blown is called a Fetch.

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Storm Over Asia was created in 1928.

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If the heat from your fireplace is being blown forward, then it shouldn't hurt your TV.

How many pages does Storm over Laos have?

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What is the duration of Storm Over the Nile?

The duration of Storm Over the Nile is 1.78 hours.

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.

What damage can hurrican do?

Most people assume the winds cause most of the damage, that is not true, the storm surge (fast rising waters) cause flood damage, which creates more damage than the wind dusually, also heavy rains cause the ground to soften and trees will topple over.

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Why are roof of some houses blown off during a wind storm?

when storms flown over roof it creats a vaccum over roof for sometime thus outside pressure reduces and inside pressure of the house remains constant. so by the pressure difference between inside and outside,roofs are blown. it is based on bernolli,s principle.

What was the overall size of hurricane Alicia?

There is no information on the size of Hurricane Alicia, but it did over 2 billion dollars worth of damage. It was also responsible for the deaths of over 20 people.

Why are storms destructive?

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What are some examples of damage that can be caused by hurricanes?

Crops destroyed, trees ripped up or blown over, cars blown around and damaged, houses damaged such as windows being smashed or roofs tearing off, people outside being hit by flying debris etc etc

What did the attack of Pearl Harbor do?

it did more damage than u've ever seen the buildings were on fire Jap planes and American plane blown up,over 2,003 were KIA[Killed in action].over 1,000 civilans were killed,too.

Why are tropical storms more destructive than tornadoes?

The damage from a tornado is generally more severe than that of a tropical storm or hurricane, but is limited to a much smaller area. Hurricanes and tropical storms can cause damage over enormous areas, so the total amount of damage done is greater.