If a Tree Falls on your house in Cleveland who is responsible?

Great question! We're less concerned with the old adage of "If a tress falls in the woods, does it make a sound?" than the more practical question of "If a tree falls, who pays for it?". Being headquartered in Elyria, Ohio we know that the winds can become fierce in a matter of minutes. Sometimes it's too late to do anything about that old tree in the front yard, and sometimes there is absolutely nothing you could have done to prevent it!

We field a lot of questions in regards to fallen trees in Ohio during this time of year, and we want to make sure that our clients (and even those that are not clients!) know what to do in these situations and what they can reasonably expect from their insurance carrier. If a tree that is in your yard falls on your home, garage, or other structure should all be covered under your home owners insurance policy. Many times, even the removal of the debris caused by the tree and the removal of the tree itself will be covered up to a certain dollar figure depending on your particular policy. As always, your policy will state the specifics of your coverage and we're happy to read and talk through your policy and your coverage with you in person at our office in Elyria, Ohio or over the phone where we can be reached at 440.233.6199!


If a tree that is located in your yard falls on your neighbors house in your Cleveland area neighborhood, then typically the neighbors insurance policy will cover the cost to have the tree picked up and repair the damage, but if you were negligent in caring for the tree (the tree was rotted or falling over) then they could go after your insurance policy which is called subrogation. So if you ever hear or an insurance carrier subrogating for costs against another insurance carrier, that's what they mean.

What if the tree doesn't fall on your home, but rather it falls on your car? Typically any tree that would fall on your car would be covered under car auto insurance policy, so you should have nothing to worry about, but be ready to pay your car insurance deductible if it does happen to do damage to your car. If the tree falls from your neighbors house onto your car, the same thing would apply as above where your insurance would likely cover the initial cost and then subrogate against your neighbors home owner's policy.

How should you handle a claim?

The short answer is to let us help you! As your insurance agent, we are happy to help you report claims and also be your advocate throughout the entire claims process. However, there are certain things that you can do to help speed up the claims process and ensure that the end result will be favorable for you. Document as much as you can, so take a lot of pictures to document where the tree ended up and the extent of the damage. You really shouldn't move the tree unless absolutely necessary and you've got the ok from the insurance company before doing so. You also need to take pictures of where the tree was before you moved it and document the damage that the tree did before you moved it as well. When in doubt, take pictures and document the damage! T

he more details that you can provide to the claims adjuster and the insurance company, the better. You can definitely get estimates to fix the damage and remove the tree, but again you should either work with us as your agent or with the insurance carrier directly before you take your first step. Hopefully this recap of how to handle a fallen tree on your home or car was helpful, if this article has generated some questions you can certainly give us a ring at 440.233.6199 or contact us using our contact form online. We are happy to interact with you in a way that is easiest for you. We hope to hear from you soon, until then stay safe!


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