Real Estate Law
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Whose insurance company is liable depends upon whether the owner of the tree knew or should have known the tree was previously damaged or diseased. If the answer to that is yes, then the owner of the tree (or his insurance company) is responsible for the removal of and any damages caused by the tree. If the answer to that is no, then it would be considered an Act of God, and the owner of the tree has no liability for damage and is not responsible for the removal from the neighbor's property.
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