Your home insurance policy will cover you for sudden, accidental and unforeseen damage to your home caused by trees. We’ll pay the reasonable costs you incur for removing the fallen branches or trees that damaged your home, so long as you get our consent first.
You should always contact us first to lodge a claim on your home insurance policy and pay your excess. We can then talk about what needs to happen next. In most instances, to hold your neighbour liable for the damage, you would need to prove they were negligent. For example, you may have contacted your neighbour and advised you were concerned there would be damage to your home if the tree was not taken care of and following this conversation, nothing was done.