Can be a difficult question with many factors. There is no harm in the damaged property owner filing claims with both policies. The homeowners policy will likely be denied but the liability claim against the tree owner has a slim chance depending on species and location of the tree. A civil suit could be filed but it again would have limited chances for the same reasons as the liability claim. More details on the trees location in relationship to both dwellings as well as the species and amount if damage would help as well.
Nobody can give a good answer to this question if they can't see the ceiling and the damage
TORT
Yes it will literally eat out the mortar joints causing structural damage eventually, remove and repoint joints.
Structural Damage was created on 1995-03-14.
grinding gear damage, weathering, intense long term heat, high humidity actually causing water damage, dropping it on the floor.throwing it against the wallyou know, the obvious
does the grant cover structural damage
In a word.... YES...... Your landlord has a duty to not cause damage to the property of others
The main disadvantage is in periodic river flooding causing damage to property and loss of life.
Recklessness may constitute an offense against property.
A load-bearing wall itself will not cause structural damage. However, if a load-bearing wall is removed without structural replacement, yes structural damage will occur.
You need to include in the letter the date that the structural damage occurred. You also need to include how the damage happened.
A leaking roof is considered a maintenance issue. This means that damage is not coverage on any property insurance policy. If, a storm occurred , causing a tree to fall through your roof while it was raining, that would be covered including the damage due to water, the tree, contents, etc. The key to insurance covered incidents is that they must be sudden, accidental, and not predictable. A leaking roof happens over time and should be taken care of by the property owner. Neglect of maintenance is not a covered item. Sorry.