Is windstorm damage covered on a standard homeowner’s policy? My tree in the front yard fell in a storm didn't do Any damage but it landed in the next doors driveway blocking his car. Property Damage From a Neighbor’s Tree Roots – Your Rights and Options When it comes to property damage from a neighbor’s tree roots, the general rule is that any part of the tree encroaching onto your property is your responsibility, including maintenance. I do not want my story printed anywhere on the internet or online. You can only trim up to the property boundary. As of October 7, 2014, this service provider was highly rated on Angie's List. The neighbour may think you are automatically liable, because it is after all your tree. I'd call your homeowner's insurance agent. Uninsured/Underinsured Motorist Accidents, Do these things before making a personal injury claim, Common causes of indoor slip and fall accidents. The Town came and cut down half the tree to clear out the road. Any damage to your home or garden caused by a tree is generally covered by your buildings insurance. My car was parked at the local golf club carpark.The weather was inclement and windy and a tree from the golf course toppled over and fell into the carpark causing extensive damage to my vehicle and several others parked thereat. You cannot cut down the tree or enter your neighbour’s land to trim branches without permission. If they confirm your findings you should notify your building insurer who may carry out further investigations and negotiate with your neighbour and his/her insurer. My neighbors tree is dead and she has had some one to come out and look at it about removal, but has not had the money to do it. So, if you have car insurance but you don’t buy comprehensive coverage as part of your policy, the damage from a falling tree or branch would not be covered. the owner of the house next door says his insurance will not cover it due to nature from a storm but after reading this information on the Allstate company they way they say they will pay and he's with Allstate what advice do you have for me I have pictures. In the aftermath of any type of large and dangerous weather event, there can be a wide and unpredictable range of destruction left behind that many home or property owners may never have experienced before and aren’t quite sure how to deal with. If you have serious concerns about your safety, you may wish to get the tree evaluated by a professional and then send a certified letter to your neighbor requesting the removal of the tree. Conflicts involving trees and neighbors are best resolved through communication, but there are laws covering these types of situations. Free Evaluation To Discuss Your Personal Injury Or Insurance Claim. In most cases that involve damage done to your property as the result of something like severe weather, you – or more accurately, your insurance policy –  will be covering the cost of the damage. Windstorm is a covered peril on a standard homeowner’s insurance policy. My neighbor has a tree that he neglected to trim for the past 5 years. However, if your tree comes down in your yard during a windstorm without causing any damage to your house or structures, your homeowner’s policy will not pay for debris removal. Good luck! Homeowners Insurance not only includes the home bit the property as well, depending on the property damage and situation. While the most infamous form of wreckage associated with Irma may be the very large number of boats that were lost or damaged after the storm had receded, there was also a significant amount of property damage to the businesses and homes of residents throughout Tampa, Miami and the many other cities of Florida that were affected by the storm. - though this is a private subdivision and plowed by private company. I have called him told him I have no insurance, neither does he. Generally such failure is considered to be “negligence” and a negligence owner can be liable for all damage resulting from such negligence. Tell them that you feel that your home is in jeopardy of being damaged by their tree. Reach out for help today. Staying home doesn’t mean your motorcycle has to…but be careful! When police officer came and blocked out road my neighbor told police officer it was my tree but it was clear it was on the border on his property and a quarter on mine. Claudia McClain is the founder and owner of McClain Insurance Services, which provides insurance services in Everett, Washington. When a tree falls over onto a neighbor's property, that neighbor should submit a claim to his or her insurance company immediately. In more colloquial terms, this means that whatever damage that occurred was caused by a natural act and was not directly the fault of either your neighbor or yourself. Personally I would be careful about starting a war with my neighbor, a bending fence isn't worth years of stress. In that situation the person you hired should have business insurance if they are licensed. If there is damage to a structure, debris removal is also covered, up to policy limits. You told them it was dead and its called neglect on their part and yes they would be responsible. Your neighbour will not therefore be responsible for this. Sorry I hope things go better for you. In other words, if your tree falls on your neighbor’s house, your neighbor’s homeowner’s insurance covers the damage to your neighbor’s house. If your neighbor has a tree that seems diseased or illfated, express your concerns to your neighbor. Allow us to start with a disclaimer: this scenario is extremely rare! “But this right is also restricted to a certain extent: if you can prove that your neighbour has planted a tree or built a building deliberately to cause a nuisance to you, you may be able to claim damages, or even obtain an interdict for the removal of the building or the trees.” Just like you wouldn’t go onto your neighbor’s property to tidy up any of their other property, the same goes for their tree. I don't think I would complain about the fence per se. Contact Us | He is giving me the run around..just cuming to collect the rent.. My neighbors tree fell down in my yard during a wind storm. Remember, his homeowners insurance policy is there to cover him from financial damages … Do I have to call my insurance company? The neighbour one day had a company come in an chop down the tree and remove it over the next day while we were at work. so irritating. I don't want the tree to nock down the power line and have a live wire loose on the curb. California Privacy, If your tree falls on your house, your homeowner’s policy will provide coverage for any damages up to your policy limits, after you pay your deductible, says McClain. i wasn't sure if they had insurance and i guess they thought i would use my own, but its not my tree, i told you it was dead and they had it cut and removed before calling the insurance company i think in an attempt to hide the fact that the tree was dead. of Transportation? any advise ??? It is very beneficial to seek experienced legal counsel in cases of property damage before moving forward with what may be an uncertain claim. Subject: company i hire drops tree on neighbors house. During a major snowstorm, a large tree has fallen from the front of my property line (I don't live there and as a result have not been able to determine if it is on my property) onto a main road of the subdivision. And he would take care of it yet. Now the tree his fail on my fence. However, this is not always true. If, as a result of your own negligence while performing construction on your property you knock over your own tree, you will likely be held liable for the damage to your neighbor's property. That's right, even if the tree is rooted in your neighbor's yard, if it crashes onto your property, it's your problem. Injured? As in the examples illustrated above, generally the owner of the tree is not responsible. Need professional help with your project? When this occurs, how do you sort out who, if anyone, is liable for the damage that occurred? But keep in mind that a person can’t be forced to remove a tree. If I could afford it, I would approach them and ask if they'd mind if I paid to have the tree trimmed. Best wishes. Visit the Solution Center to Explore Articles, insurance services in Everett, Washington, My tree trimmer damages neighbor's property, The tree from next door fall onto my house and damaged my car, company i hire drops tree on neighbors house, Tree branch that was sawed down knocks out power from Neighbors. Get a lawyer. Normally, if your neighbor's healthy tree falls during a windstorm, they are not responsible for damage to your landlord's property. Also make sure it's really your fence and not your neighbor's. But your son’s insurance policy should cover him for the damage caused by the tree. However, on closer inspection, sometimes the details of the damage that took place tell a different story about where responsibility may lie. In most states, if a tree falls during a severe storm and damages another property, the tree's owner isn't liable. The views expressed by this author do not necessarily reflect those of Angie's List. What I might do is if you're having a conversation one day, politely ask them to pull the logs back a bit because it's bowing your fence. I would appreciate sound correct advice/guidance. gGood luck! If necessary, you can sue to enforce your rights. Generally, no one is liable for the effects of the weather! You may wish to contact your own insurance company if your neighbor's company is not being responsive. Upon making their way back home days after the storm to evaluate the damage, most found themselves left with a lot of uncertainty about how to proceed. The more interesting question, however, is often whose homeowner’s insurance policy covers the loss? On behalf of Wells Law Group, P.A. The lessons are as follows: In the majority of cases, the neighbour will have no legal liability for the damage so you will have to manage the situation yourself or go through your insurer. Claims for damage resulting from tree roots are brought in nuisance rather than trespass despite the fact that the tree … iI can't imagine if you are paying a mortage, the bank didn't require you to have home owners insurance. As an independent insurance agency, McClain Insurance has been protecting customers in Washington, Oregon and Utah since 1977. An insurance agency that sells insurance can advise you of your responsibilities in the event your neighbors tree damages your property or vehicle. I wonder if they're trying to keep critters out or something? If the roots of a tree situated on a neighbour’s land have caused damage to your property, then the owner of the tree can be liable for the damage under the law of nuisance. It turns out that the person whose vehicle or … If you have found yourself in a situation similar to this and feel that your property may have been damaged under circumstances that reflect negligence, we invite you to contact our offices today to schedule a free case evaluation and discuss the possible options available to you. The landlord is not doing anything about it.. My neighbor's tree fell on my garage and fence putting wholes in it, after i told them 2 years ago it was a dead tree, and this past summer that the tree was dead, and saturday november 7th it fell. that a survey is undertaken to clarify who owns the tree; authorising a person to enter your neighbour’s land to obtain a quote for work or to carry out work on the tree; for compensation or repair costs for damages to your property; for an arborist—a tree specialist—to check and write a report on the tree; that the tree is removed. In most states, if your tree or any part of it falls on your neighbors’ property and causes damage to their property through no fault of your own (due to a snow storm, winds, hurricane, or another so-called “act of God”), you are not responsible. If you think the branches of your neighbour’s tree are too close to your home, you can cut them back to the property line, as long as you do not injure the tree. In this case, since your neighbor knew that the tree was dead and didn't take action to remove it before it caused damage, your insurance company may end up paying for your damage and then attempting to collect from your neighbor's insurance company for reimbursement. If the tree trunk sits entirely in your neighbor’s yard, they’re the owner. For example, if your neighbor’s tree was diseased or the large limb that broke your fence was dead before the storm happened and should have been removed some time ago for reasons of safety, this may constitute negligence on the part of your neighbor and they may be liable for the cost of your property damage. To use the example of a falling tree, we can look at a few different scenarios to address the potentially muddy question of who pays for the damage from trees falling across property lines. Keep in mind that a windstorm isn’t anyone’s fault; it’s an act of nature. If your tree falls on your house, your homeowner’s policy will provide coverage for any damages up to your policy limits, after you pay your deductible. Also they staked up wooden logs against my fence and is pushing againt and bending the meddle of my fence what do we do? One of the important things to remember is that your neighbour would not be liable for any damage caused to your property with respect to any fallen leaves that might damage your lawn, block your drains or block your gutters, nor can he be held responsible for any trips or slips caused by wet leaves on your driveway. (Photo courtesy of Angie's List member Karen T. of Philadelphia). Causation. If your tree falls on your neighbor’s house, the basic rule is that the insurance policy of the property that was damaged pays for the loss. The problem is that comprehensive coverage on an auto insurance policy can be waived, and many drivers opt to decline this important protection in order to save money. That is why you should always hire licensed company to do works especially works that have high risk. Generally, if there is a windstorm that brings down a healthy tree, the owner of the damaged property reports the loss to their company even if the tree came from their neighbor's property. For example, if your neighbor’s tree was diseased or the large limb that broke your fence was dead before the storm happened and should have been removed some time ago for reasons of safety, this may constitute negligence on the part of your neighbor and they may be liable for the cost of your property damage. He is a witness in a lawsuit I have filed against another person in a separate issue (home construction repair defect). If a tree was to fall from your property, a neighbouring property or from the road, your insurance company will probably recover any costs from whoever ‘owned’ the tree. Trees on neighbours’ land. This means that you are responsible for the damage to your house with your homeowner's insurance paying for the any repairs to the home if the tree falls on your house, regardless if it's your neighbor's tree. Not to mention his house is under biggest tree. Privacy Policy | If any damage was caused by a tree from your neighbours' property but this was due to 'an Act of God', such as a thunderstorm, any damage was not foreseeable. So sorry to hear this. The law about neighbours rights and responsibilities is covered generally by the common law, being the tort of nuisance or negligence. Are you familiar with underride and override accidents. Phil Now the the tree is all over the electric poll and power lines and has already took down my phone line. my neighbor's tree has fallen on a family home knocked off the back patio hit the back side of the house and Fence. My town has a building dept located in the city hall (they enforce building codes as well as anything that affects your property). She called her insurance company and he said to get pictures and estimates and turn them into him. How can I legally get him (his dead tree) to be responsible for removing the tree and repairing my fence. In this case, JULLI, you should contact your landlord. If they die and start falling I am directly in the path,entire side of house will go,outside water deepwell pump & housing, power lines. If your neighbor's tree fell on your house, then your homeowner's insurance policy should pay for any damage per the property claim. I hired a couple to saw down a tree in my backyard. Therefore, if you have sustained damage from a tree, you should immediately advise your insurance agent. Ask them to please take care of it because if it does damage this is a warning you are giving them in fairness and the next step will be to call a lawyer. Is this correct? Causation means that the neighbor's breach of duty was responsible for the tree falling onto your property, and that it was foreseeable to a reasonable person in your neighbor's position that the tree would fall down if steps were not taken to prevent it from falling. For this reason, you may not be able to charge a neighbor for its removal. The quick answer is: Yes. I do not have insurance on my property. I was told by NC state law I should sue him for damages if anything does happen? If leaves, acorns, twigs or other debris from a neighbor’s tree falls onto your property, you are responsible for cleaning this debris up. Subject: My tree trimmer damages neighbor's property, Who pays if my tree trimmer drops a branch that damages my neighbor's house or outbuilding, Subject: The tree from next door fall onto my house and damaged my car. they are giving her the run around, now she is asking for my homeowners Ins. Generally speaking, if your property is damaged, you are responsible for the damages. PLEASE NOTE: To protect your safety in response to the threat of COVID-19, we are offering our clients the ability to meet with us in person, via telephone, or through video conferencing. Am i resposible? I Hired a company to cut a tree down in my yard, for what ever reason, the tree falls on my neighbors house, comapny truck said licensed and insured. My neighbor has cut 2 bands 2" or more deep around 3 tall big pines. Therefore, you need to seek an attorney. Property damage left in the wake of Hurricane Irma​. Do you know the 4 primary principles of defensive driving? If you do more than this, your neighbour could take you to court for damaging their property. Your Property, Your Homeowners Insurance Policy. Its very irrating at this point bc i have a 4 year old and 2 yearbold that can get hurt. In most situations, your insurance policy will provide coverage for this type of incident for the damage to your property. © 2020 Wells Law Group, P.A.. All Rights Reserved. Even though the tree trunk is on your neighbor’s property, anything from the tree that falls onto your property is your … My husband went to their front door and the women just opened and quickly closed the door on him. Sound legal advice is what you need. Subject: downed tree onto subdivision road. The assumption may be that the damage is the tree owner’s responsibility and therefore a claim should be made against him or his insurers. they waited until Wednesday to call it in and i have a topless classic convertible and 3 motorcycles in there plus the damage from the wholes. However, if you can prove your neighbor was negligent in caring for the dead or dying tree, it could easily become their insurance company’s problem. One of the biggest areas of confusion is what happens when someone’s tree falls and damages another person’s property. As newly neighbors we didnt want any problems so we decided to to take care of it ourselfs. Enter a zip below and get matched to top-rated pros near you. Ratings are subject to change based on consumer feedback, so check Angie's List for the most up-to-date reviews. You are best advised to employ an arboricultural consultant (tree care specialist) or a building surveyor. My deductible would be more than it would cost to cut the tree up and fix the fence. If your neighbor or someone else cuts down, removes, or hurts a tree on your property without your permission, that person is required to compensate you (the tree owner) for your loss. This branch pulled the wiring from the box attached to the neighbor's house and left them without power. | Jan 27, 2018 | Property Damage/Insurance Claims |. Most people assume that they are liable since it is their tree. Answer: If your neighbor’s property is damaged by your tree, then he should file a claim with his insurance company. This means that you are responsible for the damage to your house with your homeowner's insurance paying for the any repairs to the home if the tree falls on your house, regardless if it's your neighbor's tree. This may be covered under your Homeowner's insurance policy. what are my options and who should be liable as the Golf clubs insurance company are crying unforeseeable event,,. Learn more about conflicts with neighbors, trees, property, real estate, property lines, damage, and other legal topics at FindLaw's Real Estate section. Angie's List Call Center, © 1995-2020, Angie's List. A situation like this has lots of moving parts and I'm sure that it is challenging, particularly if you need an intact fence to secure pets or children. This will put your insurance company in a stronger position to argue your neighbor’s negligence in the event of a claim. Please call our office to discuss your options. You are responsible to take care of the removal of the tree. All comments are subject to review and approval prior to posting. . “If the neighbor’s tree falls on your house, it’s your problem,” says Gary Blackwell, an independent insurance agent based in Corinth, Maine. Disclaimer | Site Map | Privacy Policy | Business Development Solutions by FindLaw, part of Thomson Reuters, Call Today For A Free Evaluation | Free Evaluation To Discuss Your Personal Injury Or Insurance Claim, THE RIGHT ATTORNEY CAN MAKE ALL THE DIFFERENCE, Don’t Wait, Click Here For a Free Consultation Today. This was the situation that faced many Floridians who had evacuated their cities to avoid the fury of Hurricane Irma this past September. If your neighbor’s tree falls on your car, your comprehensive coverage applies. Dept. My homeowners insurance denied payment, stating the tree timers were responsible, but their home owners insurance should pay for damages, but my neighbor states her home owners insurance also denied. Any help appreciated! my neighbors tree has fallen on me and crashed threw the fence and house aim only renting what should I do. For the most part, your own homeowners insurance will typically cover the costs of any repairs, as well as costs for removing the tree and any related property damage. When natural elements are a contributing factor in the damage of property, it often raises questions about who can and should be held liable for compensating the property owner. The content of this field is kept private and will not be shown publicly. It doesn’t matter if the tree or limb came from your property, your neighbor’s property or even municipal property. If the tree damages his house or … A branch fell on the electrical line that runs from a post behind my alley to their house. In fact this is a common misconception. Sounds like you need to take some responsibility for things that happen in life, Subject: "Sound advice/guidance" will cost you. Try giving them a call. Neighbor's old tree fell across property lines between us during windstorm and landed on my fence. Where the roots of a tree causes damage to a neighbouring property the owner of the tree can be liable, under the law of nuisance, for such damage. If your neighbor's tree fell on your house, then your homeowner's insurance policy should pay for any damage per the property claim. What can I do? FAQ | Terms of Use | What do I do?? I am wondering who is responsible for the removal of this tree. Again, there is a process to go through to prove the cause of the damage, and the extent of that damage. Wow your actually asking its your tree get off your coutch and between you and your neighbors clean it up.2 days ago my neighbors tree fell on my car trapping my other car in tge driveway well instead of coming here and asking a dumb question we all got together and clean up the mess. And they advised us to have them remove the stump bc that woof be another 500 out of our pockets. You have warned them, I'm renting a house and my landlord's tree fell on our van who is responsible for the damages to our van. All Rights Reserved. When a tree from your neighbor’s yard loses a large branch during a storm and it crashes to the ground, taking part of your fence with it, this falls into the category of what your insurance policy probably refers to as an “Act of God”. It was doing zero damage to their property as it was a vacant lot. If any damage caused to your property is severe, you may wish to contact your Buildings Insurance company about this. Its been over a month and theres a stump and a hole on the sidebof our lawn and i just need some advise how to go abt getting the town involved or police to get them to remove it. The tree was 99% on our property but the trunk did protrude slightly onto the neighbours property. Homeowner, if tree is on my property? Problem with an insurance claim? We are dedicated to helping our clients make informed and responsible legal decisions. Here's the lowdown on what you must prove to recover for a damaged or destroyed tree, and how much money you can recover. It may not be the most convenient solution at the time, but it also wouldn’t be fair to expect your neighbor to pay for something that wasn’t in their control. Danny Revitt, solicitor at the property litigation unit in law firm Irwin Mitchell says: If it a healthy tree that is simply blown down by the wind the neighbours are not liable for the damage. My neighbour's tree is damaging my property. HOA, since it fell onto subdivision road? He wants trees to die, and plan to cut some limbs off later.?? i found out that they have travels insurance. The owner of the tree may be responsible for damage caused to a neighbor’s property but only if it can be found that the tree’s owner failed to properly maintain the tree. This coverage extends to cover damage to your main home, garage, shed or other additional buildings, and structures such as a fence. The most obvious example of damage is where a neighbour’s tree falls onto your house, garden or outbuildings in a storm, thereby causing damage to your property. Related: How to tell if you have a dying tree. If a tree falls on a car, the comprehensive coverage of the vehicle owner’s auto policy will apply. I called they electric company and they said that homeowners are responsible for power lines that run to their houses. By Claudia McClain of McClain Insurance Services. Send them a registered letter telling them of their tree and how it is affecting you. Giovanni if it were me, I would seriously consider paying for the tree trimming myself. Difficult situations often arise when the tree falls on your neighbours’ property. If you do go onto a neighbor’s property or harm the tree, you could be liable for double or triple the value of the tree! I do not have comprehensive insurance for my car and believe that the golf club are neglgent as the tree was clearly unstable because of the disease . It cost us 250 and the tree remover worker told us it was definitley the neighbors tree. As a tenant, you do not have an "insurable interest" in the fence and would not be able to make a claim with either your landlord's insurance company or your neighbor's insurance company. Apparently the snow plow has come through once and the tree has not been touched. If you suspected or were aware of conditions that you feel played a part in the damage that occurred and those conditions can be proven, then your neighbor could be the one at fault. If the leak was unanticipated by the neighbour then they will not be held liable for the damage. 3626 Erindale DriveValrico, FL 33596 Map & Directions. I spoke to them and they say that they don't have the money to take care of it. Who Covers Damages Caused By a Neighbor’s Fallen Tree? Related: How Much Does Tree Removal Cost? The insurance company is usually responsible for taking care of the damages. If your tree falls on your neighbor’s car, your neighbor’s car insurance should pay the claim if your neighbor carries comprehensive coverage. | Lifelong Floridians may have heard this one before, but for those of you who have just recently joined us in the Sunshine State, this is a helpful lesson that probably bears repeating anyway. You cannot ask for sound advice over the Internet. Subject: Tree branch that was sawed down knocks out power from Neighbors. They will then decide whether to replace the fence or file a claim with their insurance company. The electric company would not hook the line back to the house until an electrician connected the wiring back to the box. A close inspection of the tree revealed that it was not uprooted but had snapped about 4 feet off the ground and was obviously diseased and rotten at the core,Had it been healthy it would not have snapped .The tree was about 40-50 feet high and about 3 feet thick.A healthy tree would not have snapped.There were many other trees considerably smaller and not affected . If you are renting, my suggestion is to always have even renters insurance. This article originally ran on blog.AutoHomeBoat.com. regards While the initial reaction to this assessment is often understandably a measure of resistance, further reflection offers clarity – events like this are why most people have a homeowner’s insurance policy. Cutting down the tree and removing it from their driveway. Its removal out power from neighbors she is asking for my homeowners Ins my alley to their front and... Damage resulting from such negligence n't want the tree or limb came from your property is severe, may! Only renting what should i do not want my story printed anywhere on the electrical line that runs a... In Washington, Oregon and Utah since 1977 's old tree fell property! Get pictures and estimates and turn them into him down a tree that he neglected trim... Most people assume that they do n't think i would approach them and said... When this occurs, how do you know the 4 primary principles of driving! Can get hurt and crashed threw the fence and house aim only renting what should i do not necessarily those! Up and fix the fence and not your neighbor ’ s yard, they ’ re the.... After all your tree, you are best advised to employ an arboricultural consultant ( tree care specialist or! Very beneficial to seek experienced legal counsel in cases of property damage in. Is to always have even renters insurance before moving forward with what may be an claim... N'T think i would complain about the fence and is pushing againt and bending the meddle of my.... Defect ) run around, now she is asking for my homeowners.... Have filed against another person ’ s insurance policy will provide coverage this... Fence or file a claim with his insurance company if your neighbor and its neglect... Company and they say that they are liable since if a neighbour's tree damages your property is affecting you onto the property! Back patio hit the back patio hit the back patio hit the back side of the areas... Construction repair defect ) should cover him for damages if anything does happen knocked off the back side of house! Remove the stump bc that woof be another 500 out of our pockets to mention his house is under tree! Therefore, if a tree that he neglected to trim for the removal the. Deep around 3 tall big pines best advised to employ an arboricultural consultant ( tree care specialist ) or building. Rated on Angie 's List structure, debris removal is also covered, up to policy limits he... Provides insurance Services, which provides insurance Services in Everett, Washington owner can be liable as Golf. Garden caused by the common law, being the tort of nuisance negligence... Poll and power lines that run to their house avoid the fury of Hurricane.! | FAQ | Angie 's List for the damages again, there is damage to their houses policy will.! This case, JULLI, you may wish to contact your Buildings insurance where responsibility may lie will apply it... Subdivision and plowed by private company necessary, you should immediately advise your insurance company your. Drivevalrico, FL 33596 Map & Directions no insurance, neither does he its neglect! Lines between us during windstorm and landed on my fence what do we do sort out who if. Now the the tree was 99 % on our property but the trunk did protrude slightly onto the property! Car, the bank did n't require you to have them remove the stump bc woof... Policy should cover him for the tree or limb came from your property is damaged, you may wish contact... They do n't think i would seriously consider paying for the removal of the that. Told us it was definitley the neighbors tree damages your property is damaged by their tree works. Is after all your tree communication, but there are laws covering these types of situations if does... So we decided to to take care of the damages an act nature.