DEAR BOB: Why did you recently say homeowners need insurance in case our tree falls on our neighbor's property? This happened to us. Our insurer advised that we had no liability. The neighbor's own insurance policy will have to pay for our tree's damage to their fence --Harold W. DEAR HAROLD: You always need homeowner's insurance. In addition to providing hazard (fire) insurance, a homeowner's insurance policy includes negligence liability coverage. Purchase Bob Bruss reports online. Liability for your tree that fell on the neighbor's property depends on the cause. If it was a windstorm (an act of God), then you have no liability to your neighbor because you were not negligent. However, if the tree was diseased or was leaning toward the neighbor's house when it fell and damaged the neighbo...
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