Negligence Liability 2
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In a standard homeowners insurance policy, the prevailing rule is: your neighbor’s homeowners insurance policy will pay for the damages in his property even if it was caused by, let’s say, your tree which fell on his fence. An exception to this rule is when there is a documented negligence on your part. If your neighbor has repeatedly complained to you about the hazard your almost fallen tree presents and you did not heed him, or you know that your tree is dead but you did not have it removed, then negligence is evident on your part, and now you become legally liable to pay for damages. A standard homeowners insurance covers liability plus the cost to defend you should your neighbor press charges. To prevent this from happening, it is good advice for you to trim your trees periodically especially if you hear that a storm is coming because this is the time that uncared for trees are most likely to fall or be uprooted