Fortunately the following common perils are also covered under the property damage section of standard.
Apr 02, I am not a FL lawyer, but the general rule is that owner of trees are only responsible for falling limbs (or falling trees) if they have prior notice of a dangerous condition of the tree. I can't resist mentioning that a neighbor's tree once fell on my car in my driveway and flattened it. The tree was dead and was obviously rotten before it fell. Aug 11, The limb was rotting, but there was no real way to predict the fall.
Both men assessed that it was an otherwise healthy tree, but that water or debris had likely accumulated where the tree limb met the rest of the tree and created a wound. The wound grew worse over time, and even more so as it rained- and rained and rained and rained.
If the tree that fell on your car belongs to a neighbor, in many cases, you would likely still rely on the comprehensive coverage in your auto insurance policy.
In fact, a single picture actually cleared up a problem for us very early on in the process.
But, your neighbor's homeowners insurance policy may help cover the damage if it can be proved that the tree fell due to that person's bushmulch.clubted Reading Time: 4 mins. If, however, the tree that you own, or a branch from it, fell as a result of your negligence (for example, an overhanging branch had been dead for years and your neighbors had been complaining about it for nearly as long but you neglected to have it cut down), you are legally bushmulch.clubted Reading Time: 6 mins.