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Old 30.01.2015, 10:02
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Damage by falling tree

My neighbour's tree has fallen into my garden and caused some damage (nothing too serious, no one hurt). I assume she has insurance to cover it. As I can't talk with her until tomorrow (I have to be out all day) I thought I'd ask here as to what the correct protocol is.

As it's her tree and insurance, does she have to use her gardener to remove the tree? Is it my responsibility to organise the repair men that I use, or can she insist on me using hers? Or is this just something you work out and there is no real protocol (I am assuming that an insurance assessor needs to come out).

Honestly, I don't really mind one way or the other, I just don't want to go stepping on toes, but I do want a good job done on the broken fence and bike shelter.
Thanks for any advice.
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Old 30.01.2015, 10:23
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Re: Damage by falling tree

While you are waiting for suggestions on how to proceed, it would be best to take a number of photos from a number of angles. Take close-ups of the damaged things/areas. This will make any insurance claims a little easier.
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Old 30.01.2015, 10:45
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Re: Damage by falling tree

Yes take lots of photos. I didn't think of taking photos at the time but fortunately for us the fire service too lots of photos when a neighbour's tree fell on our house in Belgium.

This won't really be very relevant to you but this is what happened to us in a similar situation back in Belgium.

It's a slightly different situation as in our case the tree actually landed on the house and a large branch came though into our bedroom.

I was in shock at the time as I had been in the room with my two year old only a couple of minutes before and my immediate neighbours sorted everything out.
They called the fire brigade who came along ( with the police) and removed the tree, sawed it up and did a temporary repair to the roof.
The police also contacted the neighbour to inform him of the accident so he could then contact his insurer.

I contacted our insurance company who liaised with the neighbour's insurance company.
They asked me to get quotes for the repair work and then we had a meeting together their insurer, our insurer and us and they argued amongst themselves who was responsible for what and which company to use to do the repairs based on the quotes I'd obtained.

The neighbour's insurance was responsible for paying for all damage to the structure of the property (roof, guttering, etc) and the garden ( replacing the fence, redoing the lawn, replacing shrubs etc) and our household insurance was responsible for the interior damage ( carpet, duvet, repainting ceiling etc).
Since yours is only exterior damage I think the neighbour's insurer will be responsible for all the damage.
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Old 30.01.2015, 11:06
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Re: Damage by falling tree

The info available on the web is ambiguous as to if your neighbor is liable for your damages, things may even differ from Kanton to Kanton. It may be that your damages are only be covered if your neighbor has a non-compulsory additional insurance, or if the tree wasn't healthy. However, he seems to be responsible to remove the tree.

It's probably best to contact the Gebšudeversicherungsanstalt of your Kanton, and also your own insurance. For BS it's www.gvbs.ch, for BL it's www.bgv.ch

Taking pictures is very good advice.
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Old 03.02.2015, 09:05
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Re: Damage by falling tree

Just to update. In BL at least the cantonal insurance only covers storm damage above a certain wind speed.

I have taken photos and the neighbour has informed her insurance who are send ing me documents to fill in so it all seems straight forward. Her gardener came yesterday to chop up the tree and remove it.
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