I’ve been on the phone all day dealing with an interesting event. I have a single family home with a tree on the property line. Last night, the tree fell over and landed on the neighbor’s porch. Needless to say, the neighbors weren’t too happy about it.
The tree is right on the line, so it’s hard to say whether it was my tree, or their tree. No surprise, they claim that it was my tree, so my insurance should pay for it.
I’ve got a great agent, so I was able to talk to him today about this. He shared with me that incidents like this are the responsibility of whoever’s property got damaged. Unless I went out and pushed the tree over, it is considered an Act of Nature. I checked with the tenants, they didn’t push it over.
I called the neighbor back with that news. I don’t think they believed me, but I trust my agent. We’ll see what happens.