Typically, your insurance pays for weather-related damage to your property.
GREENSBORO, N.C. -- All this ice means trees are falling all over the place: So let's talk about ice, trees and your stuff.
If a tree falls on your car, your auto policy would cover your car - not your homeowner's insurance. Your homeowner's might pay for the tree removal, but several policies have tree removal as an extra fee.
When it comes to the tree falling on your house, it's the same as if it was a tornado that made it fall instead of the ice. If it's your house - and your tree - it's your insurance.
If it's a neighbor's tree on your house, it's still your insurance - unless you can prove their tree was a threat before the storm. To prove that, you would have had to put it in writing, sent it as a certified letter with receipt. Pictures are good, too. So, if they know it poses a risk and don't do anything and it falls, then they can be held responsible.