If a Neighbor’s Tree Falls on my House, Who is Responsible?

A windy storm blows through and your neighbor’s tree falls into your yard. Now what? Who is responsible for the damage, you or your neighbor? We understand navigating these questions can be stressful, that’s why we have the answers.

You are responsible for what falls into your own yard (whether you like it or not). 

The insurance policy of the property that was damaged pays for the loss. Your homeowners insurance will help cover the cost of removing the tree and remedying any damage it caused, after your deductible.

File a claim
We understand that accidents happens. We also understand that accidents are inconvenient. You can count on us to work around the clock to help rebuild following an unintended loss.

You can report a claim online at RuralMutual.com/report-claim, over the phone at 1-800-255-2150 or contact your agent.

Learn what important information you’ll need when filing a claim so you can be prepared.

Not a Rural Mutual client? Request a quote online or contact a local Wisconsin agent today!


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