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Question for the Money Doctors

Question submitted on Jun 28, 2013.

Question

Under the ILL fair plan insurance, would my neighbors home be covered if my tree fell on her home during a thunder storm?

Answer

Hi, thank you for the question. I am not familiar with the ILL fair plan insurance, but in general terms, your neighbor would be responsible if the tree fell on her home. Typically in property casualty insurance, the home owner who incurs the property damage has the claim. Therefore, if your tree fell on her house, she would need to file a claim on her insurance. You would be responsible for the portion of the tree on your property. Again, this is a generalization, and you should talk with your insurance agent for specific advice.


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