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Tree damage: Who pays after the storm?

It's not your tree, but it's your house. So, the neighbor should be paying, right? Nope. Here's why.....
Credit: Scott Saintsing
Tree falls on a house during a storm in Winston-Salem Scott Saintsing

GREENSBORO, N.C. — What happens when a tree that isn't on your property hits your house? Who pays? You or your neighbor?

Check this out, a tree nearly cut a house half in Winston-Salem. Pictures from the tree removal company show a big tree straight down the middle and through the second story of the house. The company's owner talked to the homeowner who said she was standing in the room where the tree fell about three minutes before it happened.

 The Insurance Information Institute said no matter where a tree came from --your yard, your neighbor's yard -- it doesn't matter. If it hit your house, your homeowners insurance will cover the cost. Unless you have already put it in writing that the tree was a danger.

Usually, the insurance company will cover the cost of getting the tree out of the house and repairing the house. Many policies don't cover cutting up the tree and physically removing it off your property-- that's an out of pocket cost. 

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