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Item from neighbor's yard damaged my tree during storm

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cubo

Junior Member
Illinois

During a storm with powerful winds, a rather large item from my neighbor's property flew over their fence and caused significant damage to one of my trees. My insurance doesn't cover this kind of damage, and the neighbor is not willing to provide me their insurance information so I can file a claim.

Is the neighbor responsible for the damage to my tree? If so, what are the steps that I can take to get the proper compensation for the damage so I can replace the tree?
 


LdiJ

Senior Member
Illinois

During a storm with powerful winds, a rather large item from my neighbor's property flew over their fence and caused significant damage to one of my trees. My insurance doesn't cover this kind of damage, and the neighbor is not willing to provide me their insurance information so I can file a claim.

Is the neighbor responsible for the damage to my tree? If so, what are the steps that I can take to get the proper compensation for the damage so I can replace the tree?

What exactly flew over their fence? The only way you will get compensation is if you can prove some kind of negligence on their part. Otherwise, its just an act of god and they would not be liable.
 

cubo

Junior Member
What exactly flew over their fence?

Their trampoline.


This is actually the second time the trampoline has caused damage to my property. However the first time I didn't document it and I just let it slide since I didn't want to be "that neighbor".

However the neighbor doesn't seem to care and this may happen again in the future, and I would like to discourage that.
 

NC Aggie

Member
Illinois

During a storm with powerful winds, a rather large item from my neighbor's property flew over their fence and caused significant damage to one of my trees. My insurance doesn't cover this kind of damage, and the neighbor is not willing to provide me their insurance information so I can file a claim.

Is the neighbor responsible for the damage to my tree? If so, what are the steps that I can take to get the proper compensation for the damage so I can replace the tree?
Based on the information you've provided, I honestly don't think you would be able to recover any compensation from your neighbor or his/her insurance company. I feel pretty confident in saying that his/her insurance company wouldn't cover any damages on your property that results from an "Act of God". If you elected to sue him in court, I don't think you would fair any better either.

So what are you seeking to collect damages for, to have the tree removed or loss value of property? I think if the tree has been severely damaged and at risk of falling then your insurance may pay to have it removed if there's a risk that the tree could damage adjacent structures or property if it fell. Other than that, I don't think you will be able to recover anything from this damage.
 

cubo

Junior Member
Based on the information you've provided, I honestly don't think you would be able to recover any compensation from your neighbor or his/her insurance company. I feel pretty confident in saying that his/her insurance company wouldn't cover any damages on your property that results from an "Act of God". If you elected to sue him in court, I don't think you would fair any better either.

So what are you seeking to collect damages for, to have the tree removed or loss value of property? I think if the tree has been severely damaged and at risk of falling then your insurance may pay to have it removed if there's a risk that the tree could damage adjacent structures or property if it fell. Other than that, I don't think you will be able to recover anything from this damage.

I guess I always thought an "Act of God" meant something like the "nature" itself damaging the property. Something that could have been secured properly I would have considered negligence.

The trunk of the tree doesn't have any damage so it's not in danger of falling and damaging anything, but since one side is stripped of branches all the way to the trunk it will probably look really bad once the leaves start coming in on the good side (imaging shaving half of your head). So depending on aesthetics only (not safety) I will probably have to remove the tree and plant a new one.
 

latigo

Senior Member
Illinois

During a storm with powerful winds, a rather large item from my neighbor's property flew over their fence and caused significant damage to one of my trees. My insurance doesn't cover this kind of damage, and the neighbor is not willing to provide me their insurance information so I can file a claim (?). . . .

"Powerful winds", huh? If not Him, who do you suppose generated those winds?

Anyway, what makes you think YOU CAN file a claim against the neighbor's insurance because of these powerful winds? You can file a "claim" against your insurance carrier because of these powerful winds, and you can sue your neighbor in court over these powerful winds (and lose), but you are not privy to the neighbors contract. Nor are you a third party beneficiary to that contract.

AND in case you haven't noticed GOD ACTS in strange ways. E. g. look who is in the WH! I can't wait to hear Vladimir P. complaining about Lincoln's bedroom and the cheap domestic vodka.
 

cubo

Junior Member
"Powerful winds", huh? If not Him, who do you suppose generated those winds?

Anyway, what makes you think YOU CAN file a claim against the neighbor's insurance because of these powerful winds? You can file a "claim" against your insurance carrier because of these powerful winds, and you can sue your neighbor in court over these powerful winds (and lose), but you are not privy to the neighbors contract. Nor are you a third party beneficiary to that contract.

AND in case you haven't noticed GOD ACTS in strange ways. E. g. look who is in the WH! I can't wait to hear Vladimir P. complaining about Lincoln's bedroom and the cheap domestic vodka.

Well my problem is not the powerful winds. If the winds or hair or lightning damaged my property I would understand the situation. My thinking was that this is slightly different because the neighbor was negligent by not securing the trampoline. What if your car was parked in your driveway and the same thing happened, but instead of a tree your car's windows were broken? Wouldn't that result in an insurance claim? Should a tree be different? Just asking, seems like the same circumstance to me.

And if you're going to bring the WH situation into the discussion, then what isn't an "Act of God"? Can I use that argument as a get out of jail card for just about anything?
 

NC Aggie

Member
Well my problem is not the powerful winds. If the winds or hair or lightning damaged my property I would understand the situation. My thinking was that this is slightly different because the neighbor was negligent by not securing the trampoline. What if your car was parked in your driveway and the same thing happened, but instead of a tree your car's windows were broken? Wouldn't that result in an insurance claim? Should a tree be different? Just asking, seems like the same circumstance to me.

And if you're going to bring the WH situation into the discussion, then what isn't an "Act of God"? Can I use that argument as a get out of jail card for just about anything?
Unfortunately, your thinking isn't correct. Whether the trampoline or any other movable object is secured or not, mother nature is what caused the item to become a projectile. During hurricanes or tornadoes when the winds carry much larger objects like vehicles and project them yards away onto other properties causing damage, do you think the property owner of those vehicles or the insurance company for the vehicle's owner should cover damages to other people's property? The obvious answer is no and the same concept applies here.
 

cubo

Junior Member
Unfortunately, your thinking isn't correct. Whether the trampoline or any other movable object is secured or not, mother nature is what caused the item to become a projectile. During hurricanes or tornadoes when the winds carry much larger objects like vehicles and project them yards away onto other properties causing damage, do you think the property owner of those vehicles or the insurance company for the vehicle's owner should cover damages to other people's property? The obvious answer is no and the same concept applies here.

That makes sense, thanks for the clarification.

So, maybe this is a little bit off topic, but since damage from hurricanes/tornadoes would be covered by the insurance. Wouldn't this scenario be similar, on a smaller scale?
 

NIV

Member
Were the force of the winds foreseeable?

If I build a big tower of bricks and a gentle breeze, an act of God, wafts by and knocks down the poorly-built tower unto cubo's abode, the act of God defense is not going to fly. We can reasonably predict some things that would colloquially be defined as an act of God. The Sun will come up tomorrow, the wind will blow, and, water is wet come to mind. That does not mean a person doesn't lose the ability to successfully sue if hurt by the person who built a big magnifying glass at night, redirected drainage to the hospital ER, or failed to properly secure a trampoline.

Describing the concept, Burford v. Village of La Grange, 234 NE 2d 120 - Ill: Appellate Court, 1st Dist. 1967 used a PA case in the discussion:
In Carlson v. A. & P. Corrugated Box Corp., 364 Pa 216, 72 A2d 290 (1950), the Supreme Court of Pennsylvania stated:

"... a unanimous host of authorities, both in our own Commonwealth and elsewhere, ... uniformly hold that although no liability can be fastened upon the defendant if the damage is caused by an act of God so overwhelming as of its own force to produce the injury independently of the defendant's negligence, such liability does arise if the damage results from the concurrence of the defendant's negligence with the act of God and the damage would not have occurred in the absence of such negligence."

Perkinson v. Pollution Control Board, 543 NE 2d 901 - Ill: Appellate Court, 3rd Dist. 1989 described it further:
A similar holding is found in Freeman Coal Mining Corp. v. Pollution Control Board (1974), 21 Ill. App.3d 157, 313 N.E.2d 616, another case where water pollution occurred when rainwater seeped through a mine refuse pile. Again, the court ruled that the fact that pollution came from the seepage off the owner's land was sufficient proof that the owner allowed the discharge within the meaning of the statute. It was no defense that the discharges were accidental and not intentional or that they were the result of an "Act of God" (rain) beyond its control. The court relied in part upon a case from another jurisdiction which held that the legislature had imposed a duty to take all prudent measures to prevent pollution.

We could get to the modern use of the common-law term in Salvi v. VILLAGE OF LAKE ZURICH, 2016 IL App (2d) 150249 - Ill: Appellate Court, 2nd Dist. 2016:
Perhaps "act of God" was a reference to the common-law doctrine of that name. "`A loss or injury is due to the act of God[] when it is occasioned exclusively by natural causes such as could not be prevented by human care, skill[,] and foresight.'" Evans v. Brown, 399 Ill. App. 3d 238, 246 (2010) (quoting Wald v. Pittsburgh, Cincinnati, Chicago & St. Louis R.R. Co., 162 Ill. 545, 551 (1896)). "[L]iability is only precluded if the alleged act of God constitutes the sole and proximate cause of the injuries." (Emphasis added.) Id. Plaintiff alleged that the Pond overflowed following "heavy" rains, but whether the rain was the "sole and proximate" cause of the alleged injuries is a question of fact inappropriate for resolution at this stage in the proceedings.

If the trampoline had flown off the neighbors property and damaged cubo's property in the past, that is a step towards duty to deal with that in similar situations. Just because a storm has powerful winds does not relieve a person of liability if those winds were predictable and the damage could have been prevented with a couple of stakes or sand bags on the legs of the trampoline.
 
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NC Aggie

Member
That makes sense, thanks for the clarification.

So, maybe this is a little bit off topic, but since damage from hurricanes/tornadoes would be covered by the insurance. Wouldn't this scenario be similar, on a smaller scale?
Well if it did, it would have to be YOUR homeowners insurance and it depends on what your policy covers. Naturally, damage to your house and some personal property (i.e. cars) housed on the insured property are typically covered but coverage to trees are less common, especially reimbursement to replace trees. And I would almost be certain that insurance wouldn't pay in the scenario you described. More common examples of when your homeowners insurance would pay a claim related to trees are to have a fallen tree removed or cut down if they're qualifying circumstances. And even if they were to pay a claim in your situation, remember, you would be responsible for a deductible.
 

154NH773

Senior Member
If the loss is not covered by insurance you may be able to deduct it on your Federal income tax as an uninsured loss. Check with a tax accountant.
 

NIV

Member
How do you know the trampoline wasn't properly secured?
How do you know it was? But, at least we're talking about negligence now as LdiJ mentioned at first rather than a magical defense that applies when nature plays any role in damage.
 

NC Aggie

Member
If the trampoline had flown off the neighbors property and damaged cubo's property in the past, that is a step towards duty to deal with that in similar situations. Just because a storm has powerful winds does not relieve a person of liability if those winds were predictable and the damage could have been prevented with a couple of stakes or sand bags on the legs of the trampoline.
Regardless of whether there might be an argument to be made on whether the neighbor has some liability, that still doesn't require the neighbor's homeowner's insurance to pay a claim. And as a matter of common practice, the insurance company would not pay for damage on another property not covered by the policy.

In regards to whether the O.P. might have a winnable argument in court, no one knows for certain but the circumstances do not warrant the probability of a favorable judgment. Again, the O.P. described "powerful" winds and that implies a less frequently occurring storm event which is unpredictable. I have seen trampolines that are staked to the ground, but it's also fairly common to see trampolines in yards that are not staked.
 

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