What do I do if
My tree fell on multiple properties; whose insurance covers what?
Multi-property tree damage creates multiple first-party claims.
My tree fell on multiple properties; whose insurance covers what?
Root cause
Why this happens
Multi-property tree damage creates multiple first-party claims.
Know the law
Your rights as a Florida policyholder
Each property owner files on their own policy. Your negligence would be a separate issue.
Free claim review
Get a free claim review from a licensed Florida public adjuster.
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 later.
What to do
Solution steps
- 01
Step 1
File own claim first
- 02
Step 2
Document condition of your tree before loss
- 03
Step 3
Cooperate with neighbor's claim investigations
- 04
Step 4
Avoid admitting fault without legal counsel
No obligation. No fee unless recovery.
Dealing with this problem? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
The adjuster has not responded in 3 weeks.
Carrier backlog, adjuster overload, or case abandonment.
Multiple adjusters gave me conflicting information.
Handoffs between adjusters introduce errors and misalignment.
Carrier requesting my tax records.
Tax record requests are rare and usually unwarranted.
Carrier closed my claim without notice.
Claims are sometimes administratively closed without clear notification.
Carrier retaliating after I filed complaint.
Retaliation after complaints is prohibited but occurs.
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 626.854 Public Adjusters
Your representation rights.
FS 627.70131 Carrier Duties
Statutory deadlines.
FS 627.70132 Notice
When you must file.
FS 627.7142 Bill of Rights
Homeowner claim bill.
FS 626.9744 Matching
Reasonable matching requirement.
Go deeper
Related resources
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Help Center
Common problems.
See also
Other common problems
My loss was caused by neighbor's negligence.
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Carrier claims to have lost submitted documents (variant 3).
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Attorney vs public adjuster decision (variant 4).
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Low-voltage wiring damage.
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Carrier claims my renovations voided coverage.
Another situation Florida policyholders face mid-claim.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
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 later.
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