Question 1

Does my insurance cover tree removal if nothing was damaged?

Accepted Answer

Often not. Many policies only pay for removal when a tree damages a covered structure or blocks a driveway, up to a limit.

Question 2

Who owns a tree on the property line?

Accepted Answer

Often both neighbors share it, and neither should remove it without the other’s agreement. Rules vary by state.

Question 3

Is my neighbor responsible if their tree falls on my house?

Accepted Answer

Usually only if they were negligent, like ignoring a dead or diseased tree. If a healthy tree fell in a storm, your own insurance usually covers your damage.

Question 4

Will homeowners insurance pay to remove a fallen tree?

Accepted Answer

Often when it damages a covered structure, up to a set limit. If it just fell in the yard without damage, removal is often not covered.

Question 5

Can I cut branches hanging over my yard?

Accepted Answer

In many states, yes, up to the property line, at your cost and without harming the tree or entering their land.

Question 6

What if my neighbor’s tree looks dead?

Accepted Answer

Tell them in writing and keep a copy. If it later falls and causes damage, that notice can show they knew.

Question 7

Who pays if my tree falls on my neighbor’s house?

Accepted Answer

If it was healthy and fell in a storm, their insurance usually covers their damage. If you ignored a known problem, you may be liable.

Question 8

Do I need a permit to remove a tree?

Accepted Answer

Some cities require permits for certain trees or sizes. Check your city or county before removing one.

Common questions: Neighbor’s tree fell