Picture this: A powerful storm sweeps through your neighbourhood, and the next morning, you find your neighbour’s tree has fallen onto your property, causing significant damage.

Determining responsibility for fallen trees requires consideration of factors such as ownership, health and maintenance, and the cause of damage.

Homeowners insurance may cover tree damage if it causes property or car damages. Coverage varies depending on policy terms. Mediation is an effective alternative to litigation when resolving tree disputes between neighbours.

Who’s Responsible When a Neighbour’s Tree Falls on My Property

When a neighbour’s tree falls on your property, causing damage, the first question that comes to mind is whether you can sue your neighbour if they refuse to pay for the damages.

The answer depends on several factors, including the health and maintenance of the tree, the weather conditions, and whether the tree owner was aware of any potential hazards.

When a tree is hazardous, and the owner has been previously notified, they may be held accountable for the damages. If the tree was healthy, and the damages were caused by an “act of God”, your neighbour might not be automatically liable.

In this case, your own insurance policy could cover the damages, depending on the terms and conditions outlined in your policy. It is essential to read the fine print of your insurance policy and consult with your insurance company.

Does homeowners insurance cover tree damage too?

Generally speaking, homeowners insurance may cover the cost of removing a fallen tree if it causes damage to the insured home and its contents.

However, the exact coverage provided by homeowners insurance can vary depending on the policy terms and conditions, which is why it is crucial to understand the fine print of your insurance policy.

Some insurance policies might contain exclusion clauses related to tree damage. Damages to others’ property when cutting or lopping trees may not be covered by the insurer.

This is due to a ‘legal liability’ exclusion. Understanding your insurance policy terms and conditions will help you make informed decisions when faced with tree-related damages to your property.

Determining responsibility for fallen trees

Determining responsibility for fallen trees

The ownership of the tree, the tree’s health and maintenance, and whether the damage was caused by human error or an act of God (such as a storm) are some factors that can influence who is held responsible for the damages.

If required, you may also consult with local authorities or an arborist to assess the tree’s health and safety and determine if it was hazardous and needed removal.

Being proactive in tree maintenance and collaborating with your neighbour can help avoid potential disputes and ensure the safety of both properties.

Tree ownership

Establishing tree ownership is a crucial aspect of determining responsibility for fallen trees and the resulting damages.

The owner of the tree is held accountable for any harm caused by the tree, regardless of who is responsible for its upkeep. In some cases, the tree may be situated on the boundary fence, making it a shared responsibility.

Before taking any action, such as trimming or removing a tree that extends beyond the boundary line, it is advisable to communicate with your neighbour, inform them of the applicable regulations, and disclose your intentions.

If necessary, consult with the local council to determine if a permit is required for pruning or removing the tree.

Health and maintenance of the tree

The health and maintenance of a tree play a significant role in determining responsibility for fallen trees and the resulting damages.

Neglecting to trim an elderly or ailing tree may result in the owner being legally liable for any damages caused by the tree.

An arborist can assess the tree’s health and safety and determine whether it is hazardous and necessitates removal.

Local councils also play a vital role in preventing accidents caused by fallen trees and falling tree incidents through tree maintenance programs and regulations.

Insurance policies and fallen trees

Insurance policies can provide coverage for damages caused by fallen trees, depending on the type and extent of the policy. Private property owners may have insurance policies which could cover the cost of tree removal.

This can be a great financial relief in such situations. However, most insurance policies will only provide coverage if there are visible damages to the insured home and contents.

It is essential for homeowners to understand the extent of their selected insurance policy for tree damage, as coverage may differ from one insurer to another.

In some cases, insurance may cover most costs provided that a tree has not been altered by an owner or a neighbour and it has fallen.

Understanding your insurance policy and the coverage it provides can help you make informed decisions when faced with damages caused by fallen trees or a tree falling on your property.

Home and contents insurance

Home and contents insurance can provide reimbursement for repair costs incurred due to a fallen tree damaging a neighbouring property.

This type of insurance can be especially helpful in cases where the tree owner is not held liable for the damages, such as when the tree was healthy, and the damage was caused by an act of God.

It is crucial for homeowners to understand the extent of their home and contents insurance coverage for tree-related damages.

Reading the fine print of your insurance policy and consulting with your insurance company can help you ascertain the coverage provided in case of fallen trees and the resulting damages.

Comprehensive car insurance

Comprehensive car insurance can provide coverage for damages caused by fallen trees to your vehicle.

This type of insurance covers repairs to your car due to damage caused by incidents such as collision, fire, theft, weather, and vandalism, as well as damage to another person’s car or property.

Understanding the coverage provided by comprehensive car insurance can help you make informed decisions when faced with damages caused by fallen trees.

Legal aspects of tree disputes

Tree disputes between neighbours can sometimes escalate and require legal intervention. The Trees (Disputes Between Neighbours) Act of 2006 permits NSW citizens to pursue legal action against their neighbours in the event of a tree dispute.

The Act governs issues such as trimming branches, leaves, or roots that cross the boundary of one’s property, and liability for tree damages caused by tree roots.

However, before resorting to legal action, it is advisable to explore mediation and resolution options, as well as involving local councils in the dispute.

Mediation and resolution can be a more cost-effective and amicable way to resolve tree disputes, and local councils can provide guidance on tree maintenance and removal regulations.

Mediation and resolution

Mediation is a process whereby an impartial third party helps the parties in contention to recognize the contested matters, create options and alternatives to resolve the issue, and arrive at a mutually satisfactory solution.

Mediation is generally more expeditious, cost-efficient, and allows the parties to have authority over the outcome of the dispute, compared to litigation, which is adjudicated by a judge or jury.

Some examples of tree disputes that could benefit from mediation and resolution include resolving a dispute between neighbours over a fallen tree, or resolving a dispute between a landlord and tenant over a lease agreement.

Involving a mediator in tree disputes can help the parties involved reach a fair and reasonable solution while maintaining a positive neighbourly relationship.

Local council involvement

Consulting with the local council can help neighbours understand their rights and responsibilities regarding tree maintenance and removal and prevent potential disputes and accidents caused by fallen trees.

Local councils can provide guidance on how to properly maintain trees, as well as advice on how to resolve disputes between neighbours.

They can also provide information on the legal requirements for tree removal and the potential consequences of not following the regulations.

By consulting with the local council, neighbours can ensure that their trees are properly maintained and that any disputes are resolved.


In Washington State, you are generally entitled to remove or trim branches and roots that overhang or encroach onto your property.

However, protected trees, such as those under a tree preservation order, cannot be trimmed or removed without permission.

In New South Wales, it is the responsibility of a tree owner to maintain any overhanging branches which are posing a threat to their neighbour’s property.

If the tree is located on one’s own property and starts to encroach on their neighbour’s space, then the owner is responsible for cutting and removing any branches extending over the boundary line.

As the owner of a property, you are responsible for overhanging branches or roots from your trees that affect your neighbour’s property.

If this causes damage or interferes with their enjoyment of their property, then they can take legal action against you.

Under the right circumstances, it is possible to pursue legal action against a neighbour whose tree causes damage to your property.

Factors such as the condition of the tree and any warnings of potential danger should be considered.

The condition of the tree is an important factor to consider when determining whether legal action is appropriate. If the tree is in poor condition, it may be more likely that the neighbour is liable for any damage.

If your neighbour’s tree falls on your car, generally, you would be responsible for the cost of repairs unless you can demonstrate negligence on the part of the neighbour.

However, if you have comprehensive car insurance, it may cover the damages caused by the fallen tree, depending on the terms and conditions of your policy.

It is essential to consult with your insurance company and understand the coverage provided in such situations.

What to do when a neighbour's tree falls on your fence


When a neighbour’s tree falls on your fence, it is important to communicate with your neighbour and discuss the situation amicably.

Additionally, you should consult with your local council to determine who is responsible for the damage and whether the tree was protected or required a permit for removal.

It may also be necessary to contact your insurance provider to ascertain whether the damage is covered by your policy.

In the unfortunate situation where a neighbour’s tree falls on your house and you do not have insurance, you may need to submit a claim to your own policy if available.

If your neighbour’s tree fell due to neglect and caused damage to your residence, their insurance company would be liable for the damages.

However, if you cannot demonstrate negligence on the part of your neighbour, you may need to negotiate with them to cover the expenses of repairs to your property.

Author: Ben McInerney is a qualified arborist with over 15 years of industry experience. He uses his in-depth knowledge of the tree service industry to give readers to most accurate information on tree service costs and helps to educate them about the benefits of using a certified arborist for tree trimming and removal work.