Storm damage caused by a tree?
Hello, I have a large birch tree in my garden.
I am now wondering if this tree falls on my neighbor's property and destroys a very valuable garden shed, what insurance do I need to take out there?
So that the damage is covered? Can anyone tell me which insurance covers this? Thanks in advance for helpful answers.
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If it happens because of a storm, then the neighbor's building insurance is responsible.
If it happens because the thing was simply rotten and you didn't take care of it, your liability insurance covers it. (Okay, it also covers it if it was storm damage and the neighbor still demands compensation. In that case, the liability insurance will defend against the unfounded claims.)
In addition to the other answers: Your liability only if you are at fault, otherwise it is your neighbor's building insurance (hopefully the garden shed is included in the insurance, it is not automatically included in every case):
Birches are pretty sturdy trees as long as they're healthy (you should pay attention to that). They rarely fall over, but during serious storms there are always a few broken branches (something always dies), but these branches aren't usually heavy.
If you are responsible for the damage (errors/lack of expertise during felling, negligence in the case of previous damage such as rot or wood-destroying fungi), liability insurance is required.
If you aren't responsible for the damage (a hurricane or neighbor damages the roots, for example), you don't have to pay anything… Logically, you don't need insurance (in that case)…
Except in cases of intent and serious negligence, the insurance company will (or may) refuse to pay.
Gross negligence is always part of the coverage of a private liability insurance policy.
Every insurer is entitled to terminate after each claim (health insurance not included)
But it can at least result in cancellation of the insurance…
I had this case and discussed it with my insurance company. They said:
In connection with the circumstances, whether the affected building is the main house or an additional garden house, you must of course explicitly ask the insurance company.
In general, the building owner must insure his garden shed against storm damage.
Only if it is known that the tree in question is sick/weak will your private liability insurance possibly cover it.
But if this is known, he may have to make a precautionary decision. Otherwise, the duty to mitigate damages would apply….
It depends.
If you have not fulfilled your duty to ensure road safety – insurance may not pay at all
https://deutsche- Schadenshilfe.de/ Schadensratgeber/gebaeudeschaeden-durch-baeume-und-wurzeln/#:~:text=Ist%20der%20Baum%20erst%20auf,%2D%2C%20oder%20Kaskoversicherung%20daf%C3%BCr%20auf.
You should have the tree checked regularly for diseases and stability.
Why, from the border it is his wood and what is on your side is arranged by your VGV.
And whether he has his garden shed insured or not shouldn't matter to you.
Unless your tree is sick, then your pH might be affected.
You will have to pay for that.
Do you have any insurance?
That's not correct. Please read my answer. Thank you.
Yes, liability and building insurance, but I don't know if one of the two insurances will cover it?
I already told you. You'll have to ask your insurance company directly! We don't know what kind of insurance you have, and every insurance company is different. If your insurance doesn't cover it, you're out of luck and will have to pay for it yourself.
Not true either!