Personal Insurance

Personal Insurance

We believe every person deserve access to sound, informed insurance advice. Regardless of your situation, we're ready to help protect your future. Come rain or shine we'll keep what matters most safe.

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Commercial insurance

Commercial insurance

When it comes to commercial concerns, few firms know business insurance products like we do. Take advantage of a team that remains flexible and vigilant, so you don't have to.

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CULTIVATED FOR YOU

Fallen Tree Damage—Who Pays?

As a homeowner, are you responsible for the damage caused by a tree on your property that hits your neighbor’s home or other insured structure, such as a garage or shed?

In most cases, the answer is “no.” When such damage occurs to your neighbor’s home due to forces outside your control, e.g., weather events, your neighbors may have to file a claim with their insurer to receive a reimbursement for the damage a down tree or branches cause.

There is one exception, however.

If it is determined that the tree damage stems from your negligence (e.g., dead limbs that you refused to cut down, or you chose to trim your tree as a weekend project), then the neighbor’s insurer may come after you to recover their loss—a process called subrogation.

You may want to check your policy or speak to your insurance agent to ascertain if your homeowners policy covers your liability in cases of negligence.

Your Goals, Our Strategies

Discover an array of services for all your insurance needs.

If you drive or own a vehicle, being insured is more than just a convenience – it’s a necessity.

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Homeowners insurance products can help you protect your home and belongings should disaster strike.

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With decades of experience, we're excited to make sure you get the coverage you need before you need it most.

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Helpful Content

Helpful Content

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