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However, if during a storm the large branch falls on to their roof, it is your tree so you have to pay the damages.
Their insurance company would cover the cost, then the insurer chases you for their costs.
I would have thought their insurance would cover this... surely?
Their insurance company would cover the cost, then the insurer chases you for their costs.
Didn't think that the 'owner' of the tree is responsible. If that was the case then as the owner you would want to claim it on your own insurance.
It varies by state. In Queensland, the "treekeeper" - the owner of the land where the tree's stem meets the ground, basically - is responsible for the tree and if its roots or branches cause any damage, the treekeeper is liable (usually via their insurer).I've never heard of a tree falling on a neighbouring roof and the owners of the property where the tree "lived" being chased for any money.
I'm curious to know if anybody has any real life experience.
My (admittedly very high-level) reading of the NSW Trees (Disputes Between Neighbours) Act 2006 - particularly s 7 - gives me a contrary impression. Can you cite a source, please?When we had the big storms through Sydney a few years ago and trees fell on houses, the actual home that was damaged were responsible through their own insurance company regardless from where the tree/s fell from. Therefore neighbour's insurance would be responsible of any damage from next doors tree. Also in NSW, properties effected by branches on their side of the property, are responsible if they want them trimmed regardless from where they grow from.
I think I've nutted out the distinction by reading a couple of cases.I have actual experience with different situations in the 11 yrs. Speak to insurance companies and local councils and they will inform you as well.
My perusal of relevant NSW case law would suggest it's usually your issue.If a tree planted, on my side tree' roots extend to next door and lifts the concrete path ways is that my issue or an act of mother nature?
"It depends." If it's a tree that's known to drop branches, or has dropped branches before, or if the neighbours asked you to remove branches because they were scared of falling branches, then it's also likely to be yours.Salvatore1 said:If a health tree on my property, drops a branch (which they do), and falls on next doors house is that my fault again or mother nature?