Picture this: a storm rolls through, and the next morning you wake up to find your neighbor’s oak tree lying across your roof.
The big question is—whose insurance pays for the damage?

Here’s what you need to know:

✅ Homeowner’s Insurance Usually Covers It

In most cases, your own homeowner’s insurance pays for damage to your house, even if the tree came from your neighbor’s yard. Insurance companies treat it as a property damage claim on your policy.

✅ Exceptions: Negligence Matters

If your neighbor’s tree was clearly dead, diseased, or not maintained—and they ignored it—you may have a case for their insurance to pay instead. That’s where documentation (photos, notices, or proof of complaints) comes in handy.

✅ What About Cleanup?

If the tree damages your house, garage, or fence: cleanup and removal are usually covered by your policy.
If it just falls in your yard without hitting anything: most policies don’t cover removal unless it blocks a driveway or accessibility.

✅ Best Practice: Talk to Your Neighbor First

Open communication can prevent headaches later. If you notice a risky tree leaning toward your home, kindly mention it before it becomes a problem.

Bottom Line

If your neighbor’s tree damages your house, your insurance will likely handle the claim. But negligence can shift responsibility. When in doubt, let your insurance agent review the situation so you’re not left covering the costs alone.

At RISE Insurance, we help homeowners navigate tricky “what if” scenarios so you can feel confident knowing you’re covered—storm or shine. 🌤️

📞 423-541-1111