A neighbour’s tree damaged my property, whose insurance pays?

You’ll normally claim under your own home insurance for damage to your property. Liability for the cost may be pursued separately if another party is responsible (for example, following your insurer’s investigations).

Keep photos, notes of any prior concerns raised, and invoices for urgent repairs.

This page doesn’t provide legal advice; liability is assessed case-by-case by insurers and, if needed, by the courts.