In Virginia, is a homeowner responsible for damage caused by a tree falling that hits a neighbor’s home or other insured structure, such as a garage or shed? In most cases, the answer is “no.”
When damage occurs to a neighbor’s home due to forces outside your control (e.g., weather events), the neighbors may have to file a claim with their insurer to receive a reimbursement for the damage a fallen tree or branches cause.
If it is determined that the tree damage stems from your negligence (e.g., dead limbs that you refused to cut down, or you chose to trim your tree as a weekend project), then the neighbor’s insurer may come after you to recover their loss—a process called subrogation.
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