Real Estate Law
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Hi! I'm Heather. I've been a practicing attorney for the last 15 years, and I'd be happy to assist you for informational and educational purposes.
If you were not negligent, and the tree fell due to an accident that you had no control over, such as it was torn down in a storm, then your neighbors would have to file a claim with their insurance, and you would not be liable. Their insurance would most likely cover it.
If on the other hand, the tree falling was a result of your negligence. For example, there was a dead branch, that had been dead and rotting for a while, and you failed to maintain the tree by having the dead part removed, and that part fell and harmed your neighbor's property, then you would be liable.
Does that make sense?