If my neighbor's tree falls on my house and I sustain damage to my roof, whose fault is it? This is a common question I am asked. The answer is that the insurance company considers this to be an 'act of nature' - no one's fault.
You homeowner's insurance policy covers any damage to your roof done by wind, hail or ice - no matter whose tree it is. It is then your responsibility as a homeowner to avoid any further damage by having the tree removed and then covering your roof if it is exposed.
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