Trees don’t respect property lines, which means they can grow close to your house or spread limbs over your roof. Your neighbor is responsible for trimming their trees back, but they may not take care of them for various reasons. That means when the tree takes on damage or is blown over in a storm, your house is affected. At Everett Insurance in Glen Allen, VA, we know the drama that comes with a fallen tree and the damage it leaves behind. Here’s how your home insurance helps you.

Will Your Home Insurance Pay for the Damage to Your Property?

In general, yes. Your homeowner’s insurance pays for the damage done by your neighbor’s tree. You don’t have to worry about getting your dwelling or structures fixed by your neighbor’s insurance. This is true if your neighbor had no idea that the tree was in danger of falling. If they knew the tree was at risk of a fall, it’s a different issue.

Why the Neighbor Might Be Liable for the Damage

If your neighbor knew the tree was diseased or dying, they may have to pay for the damage to your home. In this situation, settling the cost of the damage to your home moves away from making a claim against your home insurance policy. 

We Can Help You Protect Your Home From Accidental Damage 

At Everett Insurance, we’re familiar with what happens when a tree unexpectedly falls on your home in Glen Allen, VA. That’s why we’re here to help you get a home insurance policy that helps you repair your home after this type of accident and more. Contact us to learn more about getting coverage for fallen trees and other unexpected events.