Your tree falls on a neighbor’s house or other structure
Your neighbor’s insurance pays for it. But, if your neighbor can prove you were negligent by not removing it, your insurance might pay. Similar to the above example, negligence in this case will also be difficult to prove, and your neighbor may even need a letter from a certified professional saying it needs to be removed.
Their insurance will still cover it if the tree didn’t actually hit anything and is simply blocking their driveway or a ramp leading up to their house.
Page Insurance, Ltd