Ask the Home Insurance Expert
If a tree falls on my house, who pays for the damage?
Generally the insurance responsibility lies with whoever's property is damaged. In other words, if a tree falls on your home, no matter where the tree came from, your insurance company should pay for your home repair.
An exception would be if the damage occurred as a result of negligence; for instance, if the tree was dead before it fell, and you had proof that your neighbor knew the tree was dead. Under those circumstances, the damage becomes your neighbor's liability.
As a rule, state insurance officials suggest that you file a claim with your insurance company and let them deal with it.