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Answered 2010-01-26 07:38:15

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.

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

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Does your home insurance cover damage to your car from falling tiles during a storm?

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

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Will homeowners insurance cover damage to a guest's car if the car was damaged during a windstorm by a basketball goalpost uprooted from the home owner's property?

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