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	<title>New answer on: My 40&#8217;+ oak fell in Irma ruining my fence, shed, driveway and neighbor&#8217;s roof. Who does what?</title>

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		<title>By: Marcus Nichelson</title>

		<link>https://insurancelibrary.com/home-insurance/40-oak-fell-irma-ruining-fence-shed-driveway-neighbors-roof</link>

		<dc:creator>Marcus Nichelson</dc:creator>

		<pubDate>Mon, 26 Mar 2018 16:14:23 +0000</pubDate>

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		<description><![CDATA[Hopefully you aren&#039;t still hashing out any details with the insurance companies at this point, but given the severity of the storm its possible. If so, here&#039;s my two cents for what its worth, first and foremost I would consult your agent before ever talking to claims. This will avoid submitting a non-pay claim on your history and shed light on the contract details of your policy. There&#039;s a gray area because insurance companies specifically adjusters will need to determine whether they want to claim the loss under a wind or hurricane peril. Now I am in Missouri so I don&#039;t know what the rules are regarding hurricanes. A lot of companies will not cover them because of their frequency and the potential severe damage they cause in coastal states. 

Now diving a little into the facts of the loss, your policy will cover your fence, shed, and driveway(considered an extension of the house). As for the neighbor&#039;s roof, assuming the tree was in good health and their is no negligence on your part to remove the tree if it was already falling or deteriorating then your neighbor&#039;s policy should cover their roof. 

Additionally, their may be more resources through the Federal or your state government&#039;s natural disaster relief program. 

Good luck and hoepfully this isn&#039;t on your plate anymore!]]></description>

		

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		<title>By: Everett Debrow, Jr.</title>

		<link>https://insurancelibrary.com/home-insurance/40-oak-fell-irma-ruining-fence-shed-driveway-neighbors-roof</link>

		<dc:creator>Everett Debrow, Jr.</dc:creator>

		<pubDate>Tue, 17 Oct 2017 23:08:22 +0000</pubDate>

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		<description><![CDATA[WOW!
The scenario you describe is simple; the property that suffers damage pays for the loss. The neighbor&#039;s homeowners&#039; insurance will take care of them. Your homeowners&#039; coverage should take care of your fence. The one thing that could complicate things is the fact that the tree was on YOUR property, so your neighbor&#039;s company may (and most likely will) contact your carrier about his damages,]]></description>

		

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		<title>By: David W. Clausen</title>

		<link>https://insurancelibrary.com/home-insurance/40-oak-fell-irma-ruining-fence-shed-driveway-neighbors-roof</link>

		<dc:creator>David W. Clausen</dc:creator>

		<pubDate>Thu, 12 Oct 2017 01:15:54 +0000</pubDate>

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		<description><![CDATA[It seems that you both will need to submit a claim.  The portion that hit your neighbors roof would be covered by their insurance carrier (assuming they didn&#039;t send a written letter to your insurance carrier about it&#039;s condition).  The portion that fell on your fence (hopefully still suspended on your neighbors roof and your fence) gets a little more complicated.  This will vary company to company.  I&#039;d submit a claim and hopefully get a nice adjuster.  This is how most contracts work in NY.  Good luck!]]></description>

		

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		<title>By: joe unger</title>

		<link>https://insurancelibrary.com/home-insurance/40-oak-fell-irma-ruining-fence-shed-driveway-neighbors-roof</link>

		<dc:creator>joe unger</dc:creator>

		<pubDate>Wed, 11 Oct 2017 23:47:49 +0000</pubDate>

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		<description><![CDATA[You claim the damage to the neighbor]]></description>

		

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