SwingOak
Silver Member
- Joined
- Jan 31, 2011
- Messages
- 219
- Tractor
- '65 IH Cub Lo-Boy, '13 Kioti DK50SE HST, '20 Kioti RX7320
I know you’ve already removed the tree, but as a suggestion to others always have the insurance company come out to assess the situation. You don’t have to file a claim if you don’t want to, but they will let you know what they will or won’t cover and the estimated cost for tree removal and repairs.
I had a perfectly healthy walnut tree land on my neighbor’s house in a storm. I called my insurance company, they called theirs. My insurance company said as it was a healthy tree that came down in a storm event, I was not responsible and my neighbor’s insurance would have to cover it.
They said a hazardous tree is another story, if a tree is dead or unhealthy and there are assets of value it could potentially fall on, it is the property owner’s responsibility to remove it. If the property owner does not remove the tree and it strikes an asset, they are responsible for damages.
And they also explained that “known hazardous tree” means that someone could look at the tree and see that it was dead or unhealthy. It does not mean the property owner was aware the tree was dead or unhealthy prior to it coming down.
I had a perfectly healthy walnut tree land on my neighbor’s house in a storm. I called my insurance company, they called theirs. My insurance company said as it was a healthy tree that came down in a storm event, I was not responsible and my neighbor’s insurance would have to cover it.
They said a hazardous tree is another story, if a tree is dead or unhealthy and there are assets of value it could potentially fall on, it is the property owner’s responsibility to remove it. If the property owner does not remove the tree and it strikes an asset, they are responsible for damages.
And they also explained that “known hazardous tree” means that someone could look at the tree and see that it was dead or unhealthy. It does not mean the property owner was aware the tree was dead or unhealthy prior to it coming down.