Who’s responsible when a tree falls? 
Falling branches or a toppled tree can cause damage or even death, as occurred in Canton recently after a snowstorm.
This raises the question of who is responsible when a tree or branch falls and damages a neighbor’s house or garage, for example. Here’s what you should know:
  • In most cases, the homeowner whose property a tree lands on is responsible for any damage and clean up.
  • The tree owner would only be responsible for damage to a neighbor’s property if a failure to maintain the tree contributed to the damage.
Tree removal coverage can vary between carriers. Some limit, restrict, or even exclude coverage. Also, a fallen tree must cause damage to a dwelling or structure to trigger coverage. If there is no damage, there is typically no coverage.
If you have trees on your property, it’s prudent to maintain them properly by having them professionally inspected, trimmed appropriately or even removed if necessary.
In light of unforeseen consequences from something like a fallen tree or branch, such as injury or death, you may want to review your umbrella policy to make sure the limits are adequate. If you don’t have one, it may be the right time to talk to us.

If you have questions or want more information, please contact us.