Second only to the question of the sound of a tree falling in a forest is who’s on the hook when a tree falls across a property line. But the answer is fairly straightforward, at least from an insurance perspective.
If your neighbor’s property is damaged by your tree, then they should file a claim with their insurance company. If the tree damages their house or other structures (such as a garage, shed or fence), their homeowners policy will generally pay to fix the damage. If the tree damages your neighbor’s car, then their auto insurance policy’s comprehensive coverage usually pays to repair it.
