If a tree fell onto a house, that homeowner's insurance needs to handle it, no matter whose property the tree fell from, according to
For example, if your neighbor's tree fell onto your house, call your own insurance company; that's not on your neighbor.
If a tree falls onto someone's property or multiple people's properties and does not damage a house, each homeowner is responsible for clearing his or her own lot, Hartwig said. If that tree damaged landscaping, fencing or unattached structures chances are those aren't covered by homeowners insurance, he said.
If a tree falls into a public roadway from private property, local authorities will more than likely take care of that, Hartwig said. Any debris that ends up on private property as a result of that is the responsibility of that homeowner.
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