Guides ·
A tree fell on my house in New Jersey. Who pays?
Nor'easters and summer storms bring down trees across New Jersey every year. Here is how it usually works.
Your own policy usually pays
If a tree falls on your house, your own homeowners policy usually covers the damage to the house, no matter whose yard the tree came from. If a neighbor's tree was clearly dead or dangerous and they ignored it, your carrier may seek repayment from the neighbor's insurer later. That is between the carriers.
Tree removal is often limited
Policies often cover removing a tree that hit an insured structure, but usually only up to a set amount. A tree that falls in the yard without hitting anything is often not covered at all. Check your policy for the exact limits.
What to do first
- Get everyone out of the damaged area and stay away from downed wires. Call the utility for any wires.
- Take photos and video before the tree is moved.
- Report the claim and write down the claim number.
- Have emergency tree removal and tarping done to prevent more water damage.
- Keep every receipt.
The hidden damage
A tree strike can crack rafters, push water into walls and ceilings and damage windows and siding. After the roof is dried in, the interior should be checked for moisture before the rebuild is planned.
This guide is general information, not legal or insurance advice. Your policy and your adjuster decide what is covered. We are not public adjusters and do not negotiate claims.