If a tree trunk is on your property you are responsible for maintaining it.
Tree limb on a roof.
As the rain pours in take a deep breath.
After all as your roofing experts it s our job to ensure that you have the best roof atop your family castle.
And if the trunk of the tree on your neighbors property they do no matter how much of the canopy overhangs the property line.
That s why it s best to have a certified and insured arborist handle the job.
Plus in the worst case scenario if a certified insured arborist does damage your roof while trimming your tree their insurance would cover any repair costs.
A large branch from the fir tree out back has snapped off and crashed through your roof taking out a window in the process.
Animals can access your roof.
Before you can determine who is liable for damage caused by a falling tree or branch you need to know who owns the tree.
If the trunk of the tree is directly on.
If you have homeowner s.
Tap your own coverage.
They know how to properly trim the tree and remove branches while keeping your home unharmed.
When you have a tree near the property line between your yard and the yard of your neighbor its branches may overhang the adjoining space.
Trimming tree limbs over your roof is risky and mistakes can be costly.
A tree that is located on the boundary line cannot be removed unless both parties agree to do so.
So today we re talking about protecting your precious roof.
Who is responsible for maintaining the tree.
After compensating you the company may turn around and sue.
You are responsible for making sure any tree on your property is healthy and there are no known hazards.
Responsibility for an overhanging tree.
But back to the tree branch on your roof.
Let s begin with understanding what damages these hanging branches pose for the property these tree branches can strip layers of asphalt and gravel by scraping against the sand of your roof on windy days.
But when your neighbor s tree falls on your roof you ll care and want to know whose homeowners insurance will pay.
A tree branch is like a one way ticket from the ground straight onto your roof.
Don t be surprised to wake up to scratching in your attic one morning because a raccoon family invited themselves in.
From there critters like squirrels raccoons rabbits and possums can have a field day.
Culpability aside most homeowners insurance policies cover damage done by a neighbor s tree.
Make a claim through your insurer for.
Leaves fallen on the roof or in the gutter can pose complications like leakages.