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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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What was the worst storm?

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.

When was When the Storm Is Over created?

When the Storm Is Over was created in 1977.

A length of Water over which the wind has blown?

the length of water over which the wind has blown is called the fetch

Can an 80 pound human be blown away by 80 mph winds?

Blown over, blown down, yes, but not blown away.

When was Storm over Laos created?

Storm over Laos was created in 1961.

When was Storm Over Asia created?

Storm Over Asia was created in 1928.

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.

Which storm is most dangerous and produces the most damage?

Hurricanes produce damage over an area hundreds of miles wide and last for days. Tornados cause damage in relatively small areas and last for minutes. ,

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