Your insurance. You are responsible for your property that was damaged, regardless of whose property the tree was on.
In this case, in NJ, the homeowner would be responsible for the damage to their own property caused by a falling tree or tree limbs, regardless of whose property the tree was on.
If a tree on your neighbor’s property comes down during a storm, damages your home, your fence, a shed in your backyard, hot tub, pool and/or patio furniture, you are responsible.
If the extent of the damage is significant, a claim through your own homeowners insurance is a viable option. Always consult with your insurance agent regarding any claims and verify your deductible.
Documentation is always good too, take pictures and make notes regarding the time of loss and any other issues you may have seen or noticed, when it’s safe to do so.
If you are unsure if your home is safe, always contact the police or fire dept. to make sure.
If your home is not safe to inhabit, you may have coverage built into your homeowners insurance called ‘Loss of Use’.
This coverage would help pay for any additional living expenses you may incur like a hotel stay or additional food expenses you may have while your home is being repaired.
Get the right coverage in 3 easy steps
Getting the right insurance coverage doesn’t have to be complicated or stressful. I’m here to help you save time, save money, and have peace of mind.
Step 1 – Submit your information via the form below
Step 2 – I’ll do the research and send you a personalized quote
Step 3 – Sign the paperwork and pay your premium
I know how overwhelming picking the right insurance plan can be when you have so many option to choose from.
As an independent agent, I work with multiple companies to find you the best quotes on your coverage. Don’t waste another second searching for affordable homeowners insurance on your own.