If A Neighbor's Tree Falls On Your Property, Who Is Liable For Cleaning It Up? 
This is really more of a legal question than an insurance question but I 'll give you some guidelines . As a general rule , if it 's on your property , it 's your responsibility . So , legally , if it 's your neighbor 's tree falls on your property , he should take care of it . This does n't always happen , and many small battles have ensued over just this type of thing . I 've seen neighbors do some pretty weird things in these situations . I 've seen people send registered letters , call the police , report to the city or township , even hire a lawyer to sue . My advice , be reasonable and talk to your neighbor , preferably before it falls , and come to some aggreement about what needs to be done , if anything . From an insurance standpoint , nothing 's really going to be done with a fallen tree unless it falls on something an causes damage . Then , in most cases , your insurance company will pay to move it off of your home , that 's it . Some homeowners policies will have endorsements available for debris removal which may pay to remove it , usually up to some limit . Many times , though , removing it from a structure is all an insurance company will do and removing the tree from your property is your responsibility . 