Tree Damage: Who is supposed to pay? How does insurance work? [Video]

GREENSBORO, N.C. — When it comes to tree damage, the person who pays for the damage at the onset  is always the same. Always. 

“Whatever falls because the pine tree doesn’t have enough roots and it damages your house or your car. Unfortunately, your house insurance or your car insurance would be the one paying the claim, not the neighbors,” said Christopher Cook of Alliance Insurance Services. 

Your house may be surrounded by other homes with trees on the property. If your neighbor’s tree falls on your house, it’s still your insurance claim to make. It doesn’t matter where the tree comes from. If the damage is on your property,  it’s your insurance that pays. 

“There’s exceptions and we can get into all those but file the claim on your insurance policy and be nice to your …