Insurance proceeds were limited.
} If a tree falls at night and no one is around, do Ballwin residents still hear it fall?
Well the neighbors on Hillsdale did, and thankfully contacted Public Works! Crews were able to clear the road. The rules for liability when a neighbor's tree falls on your property may depend on the unique details of the situation.
A common outcome is that the homeowner pays for the damage and removal. Homeowners insurance may cover a tree that fell into your yard from a wind storm. Check your local laws and insurance policy to find out.
Who Is Responsible for Fallen Tree Damage? In most American states, if your tree or any part of it falls on your neighbors' property and causes damage to their property through no fault of your own (due to a snow storm, winds, hurricane, or other so-called"act of God"), you are not responsible. Your neighbors will have to file a claim with their own property insurer if they want to be reimbursed for their loss.
This will likely come as a surprise to your neighbors!Estimated Reading Time: 5 mins. Your neighbor could also be liable if a tree that fell would have been considered a hazardous tree.
A hazardous tree would have a significant, often visible defect, and be in an area where it could fall on a person or vehicle. Even if the issue with the tree was not caused by the homeowners directly, it could be considered negligence if they did not address the issue. Examples of hazardous defects on trees can Estimated Reading Time: 5 mins.