So Am I Liable?
The quick answer is NO.
The reason you are not liable is because this tends to be an act of god or nature. Because this act is out of your control or an extraordinary event you are typically not responsible.
This explanation will not make everyone happy because it means you have to come up with deductibles to repair damage caused by someones trees. So, it’s important to choose a deductible that you can easily handle under all circumstances; you never know when you may have to come out of pocket.
It may be easier to pay a little more each month for a lower deductible if you don’t have the money set aside. Or, add an amount equivalent to your deductible to your emergency fund so you’ll always be prepared.
Of course there may be times when you are liable for your tree falling and damaging your neighbor’s property but those would be situations where you were in “control”. For example, let’s say you decide to cut off a big limb and don’t do it properly so the limb falls damaging your neighbor’s property. That would be a liability claim for sure. It’s all about CONTROL!
There you have it. No, you are not liable if your tree falls on your neighbor’s fence, car, house, etc. However, you need to be prepared financially if this happens to you.
If you have any questions feel free to contact us anytime. We can be reached at 602-412-3366.