When a neighbor’s tree falls over your property line, yell TIMBER, then call your insurance company. Home owners policies cover tree damage caused by perils like wind and winter storms.
Most policies cover hauling away tree debris if the mess is associated with house damage; some will cover cleanup even if no structures were harmed.
Speak to an Insurance Agent to Get Advice
If you need an opinion of what the best practices are, I would recommend you consult an insurance agent. A good contact of my from The Business Alliance Network Group would be Jeff Lydon of Lydon & Murphy Insurance in Norwood. Check your coverage with your current agent.
Consulting an Attorney in Case Things Don’t Go Well
Sometimes things like fallen trees can strain relations among neighbors. If you need to hire an attorney you may be able to handle issues like this through mediation. Medfield attorney, Stephen McDonough does a lot of mediation. He frequently hosts mediation roadshows. His firm, Next Phase Legal LLC announced an event they call “The Mediation Roadshow.” The “road show” is a clinic designed to bring expert dispute resolution services to the community in a comfortable and affordable environment.
When a Tree Falls
Your neighbor is responsible when a tree falls over your shared property line only if you can prove he was aware that his tree was a hazard and refused to remedy the problem. Regardless, your insurance company restores your property first, and later decides whether or not to pursue reimbursement from the neighbor or his insurer if the neighbor was negligent in maintaining the tree.
Before a Tree Falls
Write a letter to your neighbor before his dead, diseased or listing tree falls through your roof or over your property line.
The letter should include:
Description of the problem
Request for action
Attorney letterhead—not necessary but indicates you mean business.
Trim Their Trees
If the limbs of a tree hang over your property line, you may trim the branches up to the property line, but not cut down the entire tree. If a tree dies after your little pruning, the neighbor can pursue a claim against you in civil or small claims court. Depending on the laws of your state, your neighbor may have to prove the damage was deliberate or caused by negligence, but may also be able to recover up to three times the value of the tree.
Before you cut, tell your neighbors what you intend to do to protect your property. They may offer to trim the whole tree instead of risking your half-oaked job.
Your Tree Falls
It’s always a good idea to take care of your big and beautiful trees, and keep receipts for trimmings and other care.
But if your tree falls over a neighbor’s property line, do nothing until their insurance company contacts you. You may not be liable unless you knew or should have known the tree was in a dangerous condition. If you pruned a tree or shored up trunks to prevent problems, gather your receipts to prove your diligence.