If A Neighbor's Tree Falls On Your Property, Who Is Liable For Cleaning It Up? 
We have had a large number of ` fallen tree ' claims following wind strorms . In each and every case , the insurance carrier will send out a claims adjustor to assess the damage and try to assess the health of the tree . The only coverage that exists on a homeowners insurance policy or a landlords insurance policy would be in the Liability section . The liability section will afford coverage as a result of the negligence of the covered party for damage to others . If the tree was healthy and the cause was Wind , an ` Act of God ' is not negligence on the part of the insured , thus the claim would be denied . If , however , the tree was in bad health -LRB- perhaps rotten in part -RRB- and the tree fell and caused damage to another party , this situation would be deemed negligence on the part of the insured and the claim would be covered . Although we are a home insurance processor and not claims adjustors , this scenario has played out multiple times and we feel confident that it is generally a good rule of thumb . 