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.
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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 policy
- 02
Step 2
Document tree origin
- 03
Step 3
File municipal claim in parallel if appropriate
No obligation. No fee unless recovery.
Dealing with this? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
Flood claim denied when source was plumbing.
Flood-NFIP vs homeowners water damage confusion.
Neighbor's fire spread to my house.
Multi-party fire spread creates subrogation and coverage overlap.
Utility company tree fell on my property.
Utility-owned trees have different subrogation paths.
Construction debris from neighbor's work damaged my home.
Third-party construction liability.
Drone or aircraft damaged my property.
Aircraft damage may involve federal liability.
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 adjuster representation.
FS 627.70131
Carrier duties.
FS 627.70132
Notice deadlines.
FS 627.7142
Homeowner Bill of Rights.
FS 626.9744
Matching statute.
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See also
Other common problems
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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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