What do I do if
My neighbor's tree fell on my house. Whose insurance?
Confusion about tree-owner liability is common.
My neighbor's tree fell on my house. Whose insurance?
Root cause
Why this happens
Confusion about tree-owner liability is common.
Know the law
Your rights as a Florida policyholder
Your homeowners policy covers damage to your property regardless of whose tree fell, unless negligence is proven.
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What kind of damage?
Pick the closest match. We will ask for details later.
What to do
Solution steps
- 01
Step 1
File on your homeowners policy first
- 02
Step 2
Document tree source and condition
- 03
Step 3
If evidence of neighbor negligence exists (diseased tree, prior notice), your carrier may subrogate
- 04
Step 4
Do not be deterred by neighbor's insurance suggestion
No obligation. No fee unless recovery.
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Similar scenarios
Related problems
The carrier is pushing for a recorded statement.
Recorded statements become the canonical version of events. Carriers use them to lock in your story before you've documented fully.
Tree fell on my car. Homeowners says auto. Auto says homeowners.
Vehicle damage at home is an auto comprehensive claim, not homeowners.
Someone hit my house and fled.
No identifiable at-fault party means no subrogation target.
My insurance company won't return my calls.
Non-responsiveness is sometimes organizational, sometimes tactical.
Free claim review
Still building your claim? We can help right now.
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Know the law
Relevant statutes
FS 627.70131
Carrier duties and deadlines.
FS 627.70132
Notice of claim deadlines.
FS 626.854
Public adjuster representation rights.
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See also
Other common problems
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Scope document has multiple revisions (variant 2).
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Contractor bond payout dispute (variant 3).
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Specimen trees destroyed.
Another situation Florida policyholders face mid-claim.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
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- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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