What to do if a neighbor’s property damages your roof

Did your neighbor’s tree, satellite dish, or yard equipment fall onto your roof? Whatever settles on your land, even if it was formerly owned by someone else, is now your responsibility.

That’s true, you’ll be responsible for removing the tree and repairing any damage it may have caused. Most homeowner’s insurance plans, fortunately, cover such incidents.

According to the Insurance Information Institute (III), damage to your house or other insured structures is covered, even if it was caused by a neighbor’s tree or a flying missile, unless the damage was caused by negligence.

Get to Safety and Document Everything

The first order of business is to get yourself and everyone else in the home out of there and to safety. Move enter the house with caution if a tree has crashed through the roof or walls. If it happened, you should call the city or your utility providers to have the power, water, and natural gas (if you use it) shut off in your home.

If you have any concerns about your home’s safety, call the fire department to have it inspected. It’s fairly uncommon for felled trees to fall through buildings or floors.

Start taking pictures and videos as soon as possible, and try to acquire footage of the tree or object’s origin. A claims adjuster should be dispatched by the insurance company, however they may need to review images or video evidence first.

Be cautious when stepping outside, especially if electricity lines are close. Once you’ve arrived at a secure area, contact your insurance provider.

Go Through Your Homeowners Insurance Provider

Contact your insurance company after you and everyone else in the house are safe. Things may get challenging, but your insurance company will clarify what is covered and walk you through the process.

There will be insufficient time to cover everything. Your deductible, as well as any other out-of-pocket expenses, may be your responsibility. Your next-door neighbor, on the other hand, might be able to help you out.

Your neighbor might try to resolve the matter before the insurance company gets involved. This method, however, is best done through your insurance, and even if the damage appears minor, your home should be assessed by a professional.

Who has to clean it up?

It is your responsibility to tidy up after yourself. You’ll need to hire a tree or rubbish removal service to remove whatever has fallen on your property.

After the deductible is satisfied, tree removal costs of $500 to $1,000 should be covered by homeowners insurance. According to the III, coverage is only provided for debris that falls onto your home, other insured structures (such as a detached garage), or obstructs a driveway or handicap access.

You’ll most likely be responsible for the costs of removing the tree limb and repairing any landscaping if it fell in the middle of your backyard without harming your house or impeding a vital walkway.

Does Homeowners Insurance Cover Damage from a Neighbor’s Tree or Property?

Homeowners insurance pays for the cost of restoring your house in the case of an inadvertent or unanticipated calamity, no matter where it occurs.

Damage to your home caused by a neighbor’s tree, satellite dish, flying grill, or any other object is covered by your insurance. You’re also safe if anything from the sky or from city property falls on you.

The insurance company will not question you about where anything came from. They will nearly always seek restitution from the responsible party.

Your deductible, on the other hand, must be met. You might be able to recover this if your insurance company pursues your neighbor’s insurance. Under your insurance, the insurer has the right to sue a third party who has caused you injury. The legal word for this is subrogation. If a neighbor’s tree falls as a result of events beyond their control, such as lightning or a storm, their insurance should cover the costs.

Will Homeowners Insurance Cover Landscaping Damages?

Despite the fact that landscaping isn’t a structural component of your property, it does add value. You may be entitled for a limited reimbursement of up to 5% of the total insured value of your house structure if your landscaping has been destroyed.

If you sell plants on your property, your business insurance policy should cover them rather than your homeowners coverage.

When Is Your Neighbor Considered Responsible?

Insurance companies give out money for unpredictable and unavoidable chance catastrophes, not for careless disasters.

Your insurance company may submit a claim against them or directly against your neighbor if debris flew or fell into your house as a result of a neighbor’s failure to secure or care for their property.

Should You Sue Your Neighbor?

It’s usually best to leave things up to your insurance carrier. If you have out-of-pocket expenses that cannot be subrogated, you might ask your neighbor to pay you.

A lawsuit, on the other hand, is unlikely to be useful to you if your insurance company does not feel it is worthwhile to pursue your neighbor or their insurance.

So, outside of the legal system, do everything you can to strike a mutually beneficial agreement.

Protecting Your Property from a Neighboring Tree

Is a tree growing over your roof, garage, or property on the opposite side of your house, garage, or land? The law usually allows tree branches that droop into a homeowner’s land to be cut or clipped back.

If you have the ability to protect your property from a nearby tree but don’t, your insurance company may consider you to have broken your contract and refuse to cover you.

Consult your local bylaws to confirm your rights and responsibilities. To be courteous, tell your neighbor that you’d want their tree pruned or ask them to do it for you.

If you decide to proceed, choose a tree care professional who will trim the tree without hurting it or lowering its value to your neighbor. Look for businesses who adhere to the ANSI A300 national tree trimming standard.

Need Your Roof Repaired Immediately?

At Canopy, we’ve been repairing structural roofing damage in the local area for over 20 years. If you need emergency roofing repair or home restoration in Denver,Colorado call us at 720-741-2266 or send us a message. Our project managers and trusted roofers will get your home back to you.

Contact Us

What Type of Service are You Interested In?*
(Select all that apply)
This field is for validation purposes and should be left unchanged.