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I've had a similar issue - I was told to make my neighbour personally liable for any damage and subsequently they can make the claim asked the personal liability section of their house insurance. Thus their house insurance settling my claim for damages

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Q: Does homeowners insurance cover damage to your neighbor's property caused by tree roots from a tree on your property?
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Does my homeowners insurance cover damage to my property caused by tree roots from a neighbor's tree?

Yes, but you would have to pay what your homeowners deductible.


Does homeowners insurance cover the cost of cleanup after an unattended death?

No. Your Homeowners insurance is "Property" insurance. It covers property damages caused by certain covered Perils such as Fire, Wind, Hail, Lightning, Fire etc. You will not find coverage on your Home Insurance Policy for death or related expenses.


Does a neighbors insurance have to pay you for fire damage to your property caused by your neighbor?

If your neighbor is liable through negligence for causing fire damage to your property you could file a claim on the liability portion of your neighbors insurance policy. If he caused the fire intentionally then his insurance company would not pay for damages as criminal acts are not covered.


Will homeowners insurance cover cost of electric company work on adjoining property caused by downed tree on covered property?

Yes. But the electrical company's insurance co should cover it if they are at fault.


Does homeowners insurance cover damage to your neighbor's property caused by construction on your property?

Actually, This is covered under your Contractors General Liability Insurance. If your contracting builder does not have insurance, you need to get rid of him, and find another contractor immediately.


Will your homeowners insurance cover damage to your neighbors property caused by fire damage?

Generally no. The only time that your homeowners policy will cover property of anyone else is if you are legally liable for the damages. For instance if you started a fire on purpose for some reasonable need that got away from you and they neighbor demanded payment. In this case you turn it over to your insurance company which will decide how to proceed. You liability section provides coverage for damages and they will provide legal defense in addition to the liability coverage if necessary. I will caution you that liaiblity claims will make you typhoid Mary to insurance companies and you will not have luck getting or keeping homeowners insurance.


Does homeowners insurance cover fire damage caused by a visitor?

Yes, Homeowners insurance typically does provide coverage for losses that result from an accidental fire.


Will homeowners insurance cover damage to personal vehicles at the home caused by someone else?

Homeowners insurance covers what is inside the home. Check your auto insurance for auto damages.


Is scabies covered on homeowners insurance?

Of course not. Scabies is a skin condition caused by a type of mite. There is not way that this would be covered under a homeowners insurance policy


Whose insurance pays for fire caused by neighbors house fire?

Your homeowners insurance will pay. Whether or not the subrogate to the neighbors coverage is up to them. You may also want to consider a Public Adjuster, who is on your side in this mess. He can help you press your claim and get the maximum you have coming. The average settlement is 42% higher when Public Adjuster is engaged!


If the neighbors tree fell on your house during a hurricane took out the fence and damaged your roof of your house does their homeowners insurance cover the damage?

NO. Your neighbor is not liable for an act of nature that fells a tree. Your homeowners insurance will fix the damage to your property and the neighbors insurance would fix damage to the neighbors property. It does not matter who the tree belonged to.AnswerMaybe. It doesn't hurt to try if your neighbor will tell you who they are insured with. They are not obligated to do so. AnswerI'm not really sure. However, I do have a friend and his neighbor's house actually fell on top of his, but they considered it still standing and didn't give the full amount of the house's worth. AnswerYour own homeowner's insurance should cover this. If they think the neighbor is responsible, they will collect from his insurance company. In a hurricane a tree could have come from the next county - then how would you know whose tree it was? It depends on your state's laws, but most would consider this an act of nature and you are responsible for the damage caused by your neighbors tree. Call your insurance company, if you have a storm damage rider, this will most likely be covered.


Does homeowners insurance have coverage resulting from a pet chewing?

No, unless the damage was caused by another person being negligent by letting their pet loose to cause damage to another's property.