Trees cause damage. Usually it’s pretty cut and dry who is responsible for any damage they cause but when a tree is over a property line it can be difficult to determine who should be responsible for the damage it causes. We found this article that we hope will help solve the problem when and if there is property damage in the future caused by a tree that falls over the property line.
Do you want to build your “dream home” but don’t know where to start? House Plan Gallery can help! Our unique house plans are consistently rated as being some of the best in the industry, for a reason 🙂 Call us today at 601-264-5028 to speak with our expert home design consultants!
From the article:
When a neighbor’s tree falls over your property line, yell TIMBER, then call your insurance company. Home owners policies cover tree damage caused by perils like wind and winter storms. Most policies cover hauling away tree debris if the mess is associated with house damage; some will cover cleanup even if no structures were harmed.
When a Tree Falls
Your neighbor is responsible when a tree falls over your shared property line only if you can prove he was aware that his tree was a hazard and refused to remedy the problem. Regardless, your insurance company restores your property first, and later decides whether or not to pursue reimbursement from the neighbor or his insurer if the neighbor was negligent in maintaining the tree.
Trim Their Trees
If the limbs of a tree hang over your property line, you may trim the branches up to the property line, but not cut down the entire tree. If a tree dies after your little pruning, the neighbor can pursue a claim against you in civil or small claims court. Depending on the laws of your state, your neighbor may have to prove the damage was deliberate or caused by negligence, but may also be able to recover up to three times the value of the tree.
Before you cut, tell your neighbors what you intend to do to protect your property. They may offer to trim the whole tree instead of risking your half-oaked job.
Always loved tree houses? Checkout this article with awesome tree houses that could be of interest to you.
Read the entire article here: http://www.houselogic.com/home-advice/home-insurance/tree-fall-property-line/#.