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Let me preface this by saying I love trees, have several on my property, and am not looking to go cutting down trees needlessly. That said, my neighbor has a large tree that is on their property, but hangs over my driveway, yard and parts of my home. I have approached her on 3 separate occasions about the number of dead limbs which have fallen into our driveway and yard, one of which hit the roof of my husband's car and took out a 4 inch diameter chip of paint. They keep saying they will have it serviced, but to date, the only thing they've done is cut the ivy that has grown up the tree for years (my guess is that it's choking it out by taking necessary hydration to continue growing up the tree). My insurance company suggested taking pictures and sending the homeowner a certified letter, again asking them to cut the tree down or have it properly manicured. I have taken the pictures, and am working on the letter today to get it in the mail (hopefully today as well). Just curious if any of you have had to deal with this type of situation before, and how you handled it, what the insurance company did (if anything), etc. The way I understand it, if it falls on my property, I would handle the damage with my insurance company. But my ins company said that if proper notice was served onto them, and they refuse to do anything about it, they would in turn sue the homeowner/their ins co. (subrogation) for reimbursement of expenses paid out.
Just interested in anyone else's experiences with similar situations. Thanks much!
This message was edited Jul 31, 2009 6:56 AM
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