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.
Free claim review
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓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 next.
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.
Licensed Florida public adjuster. No fee unless we recover more.
Similar scenarios
Related problems
Recorded statements become the canonical version of events. Carriers use them to lock in your story before you've documented fully.
Vehicle damage at home is an auto comprehensive claim, not homeowners.
No identifiable at-fault party means no subrogation target.
Non-responsiveness is sometimes organizational, sometimes tactical.
Free claim review
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 next.
Know the law
Relevant statutes
Carrier duties and deadlines.
Notice of claim deadlines.
Public adjuster representation rights.
Go deeper
Related resources
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See also
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Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓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 next.
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