A dead or dying tree on a neighbor’s property can be a serious concern for homeowners in Missouri and Arkansas—especially when it threatens your home, fence, garage, or vehicles. But How do I handle a neighbors dead tree threating my property?
Tree damage claims are common after storms, but liability often depends on the condition of the tree and whether the property owner knew it was hazardous.
Step 1: Document the Tree’s Condition
If a neighboring tree appears dead, leaning, hollow, or structurally unsafe, start with documentation.
- Take clear photos and videos
- Show visible decay, cracks, or root damage
- Capture how the tree threatens your property
Proper documentation is important if a dispute arises later.
Step 2: Notify Your Neighbor in Writing
After documenting the concern, notify your neighbor in writing. Keep the communication polite and factual. This step is critical because liability may depend on whether the tree owner was aware of the hazard.
If a property owner is notified that a tree is dead or dangerous and fails to address it, that awareness may impact responsibility if damage occurs later.
How Tree Liability Typically Works
In both Missouri and Arkansas, insurance generally follows these principles:
- If a healthy tree falls during a storm, it’s usually considered an “act of nature.” Each homeowner files a claim with their own insurance company.
- If a tree is dead, diseased, or obviously hazardous, and the owner knew (or should have known) about the condition, they may be held liable for resulting damage.
Proving negligence often comes down to documentation and prior notice.
Can You Remove or Trim the Tree Yourself?
Homeowners generally cannot remove or significantly alter a neighbor’s tree without permission, even if it overhangs the property line.
You may typically trim branches that extend onto your side of the property—provided you do not damage the overall health of the tree—but major removal requires the neighbor’s approval.
How Homeowners Insurance Responds to Tree Damage
If a tree falls and damages your property, your homeowners insurance policy may help cover:
- Structural damage to your home
- Fence or outbuilding damage
- Debris removal (subject to policy limits)
However, coverage details and deductibles vary. Understanding how your policy works before storm season is essential.
Protect Yourself Before the Next Storm
For homeowners across Missouri and Arkansas, reviewing your homeowners insurance and documenting potential risks before a storm hits is critical. Taking proactive steps now—like written notice and proper documentation—can make a major difference if a claim becomes necessary.
An independent insurance agency can help explain how tree damage claims work, how liability is determined, and what steps you can take to protect both your property and your insurance coverage. 🌳🏠