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My neighbors are an over 55 community association. Several

 
 
 

Customer Question

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?

Submitted: 1009 days and 10 hours ago.
Category: Legal
Status: CLOSED
 
 
 
 
 
 

Accepted Answer

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.

  • If the damage was solely the result of a thunderstorm or act of God, the tree owner will not be responsible, as the damage could not have been foreseen.
  • If a tree limb appeared precarious and the owner failed to maintain the tree after warnings, the owner may well be responsible for resulting damage when a storm causes the limb to fall.
  • If the tree was well maintained and a storm causes a tree limb to crash into a neighbor's roof, the tree owner is not responsible.
  • If a tree owner allows the tree to grow so that it uproots a fence, it would be considered an encroachment onto the adjacent property. In that instance, the tree owner would be required to remove the offending tree.
  • A boundary tree is one planted on the boundary line itself and should not be removed without mutual agreement.
  • Leaves, bean pods, or acorns which fall off and end up on adjacent property are considered a natural occurrence and are the responsibility of the landowner on whose property they ultimately come to rest.
  • Property owners in every state have the right to cut off branches and roots that stray into their property. In most cases this is the only help that is provided by the law, even when damage from a tree is substantial.
  • A property owner who finds a neighbor's tree encroaching must first warn or give notice to the tree owner prior to commencing work and give the tree owner the chance to correct the problem. If the tree owner does nothing, the tree can still be trimmed.
  • As a general rule a property owner who trims an encroaching tree belonging to a neighbor can trim only up to the boundary line and must obtain permission to enter the tree owner's property, unless the limbs threaten to cause imminent and grave harm. A property owner cannot cut the entire tree down and cannot destroy the structural integrity or the cosmetic symmetry and appeal of a tree by improper trimming.

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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Expert: LegalBeacon
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Accepts: 12023
Answered: 8/18/2009

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