When a tree trunk or limb damages your property, one of your first questions is likely to be, “Who’s going to pay for this?” Here's your guide:
One silver lining for rain-soaked Californians is that the IRS is giving many of them an extra month to file their 2022 tax returns.
You would still have to pay your policy’s deductible, however. If the tree was on someone else’s property, your insurer may seek reimbursement from that person — and possibly refund your deductible as well, the Insurance Information Institute says. If your claim is paid, your insurance premiums could rise in the future because homeowners insurers base their rates in part on their customers’ claims history. In fact, if you make multiple large claims, you may have trouble finding an insurer willing to cover your home.
If the tree was unhealthy and planted on your property, then your insurer could argue that the proximate cause of the damage was your poor maintenance, not the storm. In that case, you’d have to foot the entire bill. If the unhealthy tree was on someone else’s property, then you should be able to claim reimbursement from that person’s homeowners insurance,on its website. But it adds, “Keep in mind that negligence can sometimes be difficult to prove. Your case will be stronger if you’ve previously asked the neighbor to remove the decaying tree or sent them a certified letter from a tree professional stating the need for the tree to be removed.
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