As long as the tree was caused to fall by a covered peril such as wind or lightning, your homeowners insurance will pay for the damage to your home. If the tree or a tree limb was dead, your neighbor is responsible for the damage.
If my neighbor’s tree falls on my house, will my homeowners insurance pay or theirs?
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About the Author: Tom Wiecek
President of the award winning protection team at Paramount Insurance Agency since 1997. As independent agents, Tom Wiecek and his team work for their clients, not for an insurance company. They focus on finding the right protection designed specifically for your needs at the lowest cost.