If my neighbor's tree falls on my house who is responsible for damages?

Answer 1

Fallen Trees and Home InsuranceFortunately, In the United States at least, no one is held liable for acts of nature. If a tree fell on your property whether from your yard, your neighbors yard, blown in from from some national forest down the street or some other yard due to a natural occurrence,

Your own Homeowners insurance will cover damages to your own property.

If your neighbors property also sustained damage, Likewise the neighbors insurance would cover damages to the neighbors property.

You also may be covered under your own homeowners policy for debris removal depending on the circumstances and on your insurance coverage.

In almost all cases in the U.S. barring some proven negligence it is our own responsibility. The average homeowner is not expected to be an expert on trees.

Bear in mind, these rules may be different in other countries.

AnswerThat depends on what caused the tree to fall. The mere fact that it was the neighbor's tree is not enough to create liability for damages on the tree owner. Trees can fall through no fault of the owner's, such as in a hurricane. In order to be able to hold the neighbor liable for damages, the homeowner must show that the treeowner's actions somehow contributed to it falling.