Neighbor’s tree damages your property – Who’s responsible?

PAMPLICO, SC (WBTW) – What do you do when your neighbor’s tree damages your property?

Reynolds Williams, a Florence attorney, explained a general rule for complicated situations like McMann’s.

“The first step is always to ask the neighbor to make a claim against the homeowner’s insurance policy,” Williams explained. “You can’t do any harm whatsoever by contacting both insurances.”

Williams said usually a tree falling on a home is considered an act of God, something many homeowner’s insurance policies would still cover. That is, unless the tree was at risk of falling before the storm.

“If they had noticed that the tree was likely to fall and they should have done something about it and didn’t cut it down then that’s a different thing,” said Williams.

For now though, McMann waits for some sort of assistance — hoping the tree doesn’t get any closer to her home.

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