If my neighbors tree falls on my house who’s insurance would pay for the damages?

However, there is an important exception:

• If the tree was healthy and fell because of a storm, wind, snow, or another natural event, you would typically file a claim with your own insurer and pay your deductible. [insurance.com]
• If the neighbor knew (or reasonably should have known) the tree was dead, diseased, or dangerous and failed to address it, their liability coverage may be responsible for your damages. In that situation, you or your insurance company may pursue a claim against your neighbor’s insurance. [insurance.com], [treelaws.org]

Example

• Healthy pine tree falls during a windstorm onto your roof → Your insurance pays.
• Dead tree that your neighbor ignored for months falls onto your house → Neighbor may be liable, and their insurance could pay. [insurance.com], [treelaws.org]

What to do if it happens

1. Make sure everyone is safe.
2. Take photos of the damage.
3. Contact your homeowners insurance company right away.
4. If you believe the tree was known to be hazardous, gather any evidence (photos, texts, emails, prior complaints, arborist reports).