Damage to garden by neighbour's falling tree - Insurer changing position on coverage

[Edinburgh24]

Every comment causes me to check the exact detail of the policy.

So the policy states a limit of £1,000 on garden plants in contents. I would never have thought that this meant to include trees but the policy wording suggests that it does.

[Edinburgh24]

To say that this eventuality was not something that I considered when looking at the policy is an understatement.

The tree that fell is on the other side of the road. We have some large trees but nothing like this size. Out of maybe a hundred trees in the vicinity there is nothing else that could have caused this type of damage.

The more I look the more it looks like I might have to make a negligence claim against my neighbour.

I consistently trim back my own trees to make sure they don’t have branches hanging too near the house or over the road as I am worried about damage they may cause.

[Pezza54]

I still think your insurance should cover damaged fencing and paving as part of your buildings insurance. Don't accept Admiral's argument that your fence was damaged by the storm

[Edinburgh24]

You have been very helpful thanks.

Their argument is not that it was damaged by the storm.

Their argument is that they have excluded impact damage to hedges and fences from falling trees.

If a car crashed into the hedge I would be covered.

If a tree fell and hit my house I would be covered.

But if a tree falls and damages hedges/fences they are not covered.

The main arguments I have are -

1. They offered to cover this, going as far as to organise a surveyor and have now changed their mind.

2. It was not my tree that fell but a third party tree that I have no control over and thus should be covered as damage caused by a third party and possibly claimed against that third party.

[echat11]

You need to do some research on the 'tree', what was the condition of the tree? etc.

https://www.broadleaftreesurgery.co....Fraised%20soil.