During A Recent Storm, My Neighbor’s Tree Fell And Destroyed My Fence. Whose Home Policy Pays For The Damage?

Homeowners are responsible for injury or damage to third parties that is caused by their ownership of property. In this example, your neighbor is responsible for the loss that you suffered as a result of his tree falling on and damaging your property. The same would be true your uphill neighbor’s land ended up in your backyard as a result of a mudslide.

As a practical matter, your insurance company may provide coverage to you as a homeowner and then take the subrogation rights to this loss. Then they’d seek reimbursement from your neighbor or his homeowner’s insurance company.