If a tree falls on a house or car, who is responsible?

The answer depends on insurance coverage.

The problem?

Your deductible may be higher than the cost of tree trimming.

Although we don't have all the answers, here are a few:

A. Your house - your homeowners insurance pays.

B. Your neighbor's house - their homeowner's insurance pays (if they have notified you that your tree is a threat, however, YOUR insurance pays).

C. Your car - IF you have comprehensive auto insurance, your auto insurance pays. Again, if you have notified the tree's owner that it is a threat, their insurance may pay.

D. Your yard - For insurance to pay, the tree must have caused damage to an insured structure, blocked the driveway or blocked a ramp or walkway designed to assist the handicapped.

Always check with your individual insurance company for the most accurate answers.