What do I do if
Tree from public right-of-way fell on my property.
Municipal tree liability.
Tree from public right-of-way fell on my property.
Root cause
Why this happens
Trees in the public right-of-way are owned by the municipality. Carriers initially route the claim back to the city for tree removal. Your homeowners policy still covers damage to your property regardless of the tree's ownership. The fight is about who pays for hauling the tree away, not whether your roof, fence, or vehicle damage is covered.
Know the law
Your rights
Your policy covers damage; municipal subrogation may apply.
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 policy
- 02
Step 2
Document tree origin
- 03
Step 3
File municipal claim in parallel if appropriate
No obligation. No fee unless recovery.
Licensed Florida public adjuster.
Similar scenarios
Related problems
Flood-NFIP vs homeowners water damage confusion.
Multi-party fire spread creates subrogation and coverage overlap.
Utility-owned trees have different subrogation paths.
Third-party construction liability.
Aircraft damage may involve federal liability.
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
Public adjuster representation.
Carrier duties.
Notice deadlines.
Homeowner Bill of Rights.
Matching statute.
Go deeper
Related resources
Emergency playbooks.
FNOL to settlement.
Statutes.
Denial reasons.
Carrier profiles.
All 67 counties.
Claim terms.
Damage categories.
Florida storm profiles.
Decision tools.
Real recoveries.
Common problems.
See also
Other common problems
Another situation Florida policyholders face mid-claim.
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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.
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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