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The Daily Insight

Who is responsible for damage from a tree blown over in a storm?

Author

Christopher Harper

Updated on April 02, 2026

Your Property, Your Responsibility Overall, if your property is damaged, you are responsible for fixing it, whether the damage came from a tree limb on your property, your neighbors, or from a yard 2 miles down the road. A windstorm is not any one particular person’s fault; it is simply an act of nature.

Who’s liable when a tree falls?

When a tree falls over onto a neighbor’s property, that neighbor should submit a claim to his or her insurance company immediately. The insurance company is usually responsible for taking care of the damages. This is true if the tree fell over due to an act of nature.

Can you save a tree that has blown over?

Trees may be uprooted as a result of severe storms. If the tree is large, it cannot be saved and therefore must be removed. For some smaller trees it may be possible to straighten the tree and brace it using guy wires or cables. Some type of power lift or equipment is usually necessary to pull the tree upright.

Does insurance cover tree damage?

Your damaged trees and shrubs are covered… Standard homeowners insurance policies cover damage to trees and shrubs due to disasters or an accident—like fire, lightning, explosion, theft, aircraft, vehicles not owned by the resident, vandalism and malicious mischief.

Who is liable if a tree falls and damages property UK?

Any damage to your home or garden caused by a tree is generally covered by your buildings insurance. If a tree was to fall from your property, a neighbouring property or from the road, your insurance company will probably recover any costs from whoever ‘owned’ the tree.

Can I make my neighbor cut down a dead tree?

No! Crossing property lines to trim or cut down a tree is not something you or your arborist can do. Neither you nor your arborist may go onto a neighbor’s property or destroy the tree. If you do go onto a neighbor’s property or harm the tree, you could be liable for double or triple the value of the tree!

What to do when a large branch broke off a tree?

If the branch broke off at the trunk, you don’t need to get rid of the whole branch. Just cut off the broken part and leave the remaining branch. Broken branches should be removed immediately to prevent decay from entering the tree through the wound.

What do you put on a tree when large branch broke off?

Prune broken limbs back to the point where they join a larger branch. If there are strips of bark protruding at the breaking point, remove the branch and smooth the wood with a saw. For injuries like those in #2 and #3, call a professional arborist, so the tree heals correctly and no one gets hurt.

Can I complain about a Neighbours tree?

If you think your neighbour’s tree is dangerous, you can report it to the council – for example if you think it might fall over. They might ask the owner to make it safe or deal with it themselves. Search for ‘trees’ on your council’s website to find which department to contact.

Who do I contact about a dangerous tree?

Call us on 0208 547 5002 and we can send the team out as soon as possible to make safe and / or remove the tree.

Will broken branches kill a tree?

Tree wounds are the first stage in causing mature tree death While a great many injuries to a tree will heal on their own, any break in the tree’s surface can be a place where decay can start or where bacteria, viruses, or insects can gain entry to damage the tree further or even kill it.

Can you fix a snapped tree?

If damage is relatively slight, prune any broken branches, repair torn bark or rough edges around wounds, and let the tree begin the process of wound repair. If a valuable tree appears to be a borderline case, resist the temptation to simply cut the tree down and be done with it.