Your Neighbor’s Tree.

Seems like a silly topic, but it does bring up a very common insurance question. If my neighbor’s tree falls in my yard and damages my house will his insurance company pay for the resulting damage? It depends (I know, typical insurance answer). If the tree is dead or dying to the point that a reasonably prudent person could look at the tree and say “that tree is dead or dying” then your neighbor’s insurance company would pay for the damage. If the tree is a healthy tree – then your neighbor’s policy will not pay. If the tree is on your property then your homeowner’s insurance policy would pay for the damage whether the tree was dead or alive.

How about if the tree falls and causes no damage, but you want your insurance company to pay to remove the tree? You would only have coverage if you have a specific company endorsement to cover it. This is where you need a good insurance agent. Give us a call we can help. Pembroke:  781-293-5500  Plymouth: 508-746-0030  Osterville:  508-428-6919.

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages available to you. Always consult your policy for actual coverages and exclusions.

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