My tree fell into my neighbors yard .I’ve offered to remove it myself, he says I’m not liscensed/insured to remove it.Is it even my responsibility?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Oct 20, 2011
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Shelby Township, MI
Asked on 10/20/2011
My tree fell into my neighbors yard .I’ve offered to remove it myself, he says I’m not liscensed/insured to remove it.Is it even my responsibility? Tree fell into neighbors yard in a windstorm. Offered to remove tree with help of my father who has experience with cutting trees. We were to cut up the tree into pieces, and put the pieces on our side of the fence. Neighbor now says that we're not licensed/insured and if we were injured we could sue. I think he's being difficult because his riding mower was crushed by the fallen tree and our homeowners isn't covering replacement of his mower. Am I even responsible for the removal of the tree, or is it his responsibility now that it's in his yard?
Answer given on October 21, 2011
Tree falling in a wind storm is consider an Act of God by the homeowner’s policy. You are not liable for this unless the tree was dead and sick and you did not show due care in getting rid of it. That is why your homeowners is not paying for his mower. You are not responsible for the removal of the tree but it was might neighborly of you to offer to help. You neighbors homeowners policy probably has some tree removal coverage up to a certain amount. He could also find coverage for replacement of the mower under his policy. Feel good about offering but at this point, there is nothing else you can do.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.