Trees down from high winds and storms

When a tree falls and does damage to your home or other structures, there is usually some coverage on a standard home owners policy to cover that loss. If the tree or limb that falls is from your neighbors tree whose insurance do you call? A tree falling due to high winds or a storm is considered an act of god so your neighbor is not responsible for the claim. You would turn the claim into your own insurance.

To help avoid unnecessary losses from tree limbs, remove unhealthy branches and take down trees that are sick or diseased. Also, keep branches trimed so they do not rub against any buildings.