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My neighbors are an over 55 community association. Several trees (3 or 4) have been felled during storms and the debris has settled in my yard. Fortunately, there was no damage to my property until the LAST standing tree (same type of tree as the others that have fallen) snapped in a recent storm and damaged one of our vehicles. Our auto insurance won't cover because it is an older vehicle and we carry liability only. Our homeowner's won't cover because it is a vehicle. Our neighbors insurance won't cover and they are denying our claim for damages based on the lack of insurance claim. My position is that they were negligent because they allowed the tree to stand after the other 3/4 in the same row of trees and the same type of trees had been destroyed during storms, one after the next in the past couple of years. Do I have a case?
Good morning....I can certainly understand your frustration. The general rules regarding tree disputes between neighbors are as follows:
When trees belonging to one property owner fall on and damage or destroy adjacent property, the tree owner is only responsible for damage if some failure to maintain the tree contributed to the damage.
So, where does this leave you? Your argument, as you have ascertained, will have to be that the trees appeared precarious and that the fact that 3/4 of them have fallen during storms constituted notice to the owner. The owner will counter that the trees were all properly maintained, that each tree stands on its own, and that trees falling from storms are an Act of God that could not have been foreseen. You will then counter with the fact that Ray Charles could have seen this coming given that 3/4 of them have already fallen down. You do have a case, but it's not a slam dunk.
I hope this has given you the guidance you were seeking. I wish you the best of luck!
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The information given here is not legal advice. As all states have different intricacies in their laws, the information given is general only. This communication does not establish an attorney-client relationship with you. I hope this answer has been helpful to you.
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