Acres of Diamonds
A Holistic Approach
Our process focuses on paving a path that guides you toward your goals.
Protection is our priority
We offer comprehensive insurance solutions.
Our process is simple. We listen. When a client or potential client calls, we want them to know that they are being heard. Our combined years of experience allows us to help provide you with answers for your insurance needs. Whether you are a long time client or new with the Agency, we strive to make you feel like you are being heard and that you are an important part of our Agency.
We believe every person deserve access to sound, informed insurance advice. Regardless of your situation, we’re ready to help protect your future. Come rain or shine we’ll keep what matters most safe.
As a homeowner, are you responsible for the damage caused by a tree on your property that hits your neighbor’s home or other insured structure, such as a garage or shed?
In most cases, the answer is “no.” When such damage occurs to your neighbor’s home due to forces outside your control, e.g., weather events, your neighbors may have to file a claim with their insurer to receive a reimbursement for the damage a down tree or branches cause.
There is one exception, however.
If it is determined that the tree damage stems from your negligence (e.g., dead limbs that you refused to cut down, or you chose to trim your tree as a weekend project), then the neighbor’s insurer may come after you to recover their loss—a process called subrogation.
You may want to check your policy or speak to your insurance agent to ascertain if your homeowners policy covers your liability in cases of negligence.
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