Do I have to pay my deductible?

Yes upfront. If subrogation succeeds, you get it back.

Neighbor's oak crushed your roof?

Neighbor's Tree Fell on My House — Who Pays? (US)

Your policy pays regardless of whose tree it was — unless the neighbor was negligent. Then subrogation recovers from them.

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The short answer

The 'my tree, your problem' rule: your own home insurance pays for damage to your property, then subrogates against the neighbor's insurer only if you can prove they knew the tree was dead, diseased, or dangerous. Healthy trees felled by wind are considered acts of God — your carrier absorbs it.

Frequently asked

Do I have to pay my deductible?: Yes upfront. If subrogation succeeds, you get it back.

Your policy is the only source of truth

Stop guessing. Check your actual policy.

Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.

Upload your policy$3 per analysis · $9 for all 4 tools · No subscription