Fallen Tree Branch

[Rick W]

it may depend on the condition of the tree.
if it had obvious signs of rot / decay the tree owner should have maintained it.
a perfectly healthy tree getting blown over would be considered an act of God and the damage is covered by you.
another thing to consider, was the tree on a right-of-way?

Another factor to consider, was that Branch that fell on their side of the fence line or on your side of the fence line. If it was on your side of the fence line, at least down here in Georgia, you have a right to cut it off even with the fence line. That goes back to wasn’t healthy or not. So if you are not an apartment complex, you might have a claim against your own apartment complex for not maintaining it.

On all our properties everywhere, incidental damage like that from mother nature is considered an act of God. We actually pay extra on our insurance to cover weird stuff like that. It’s only a few pennies more.

I’d just go talk to the property owner, very politely and amicably, and say we have a problem. Make the tree and the branch a third entity when you talk to them. You’re a good guy and they’re a good guy, and his evil tree branch fell and hit my truck. Best way to negotiate always, or at least start. Never accuse them, blame the tree.

 

[ShhhhhDougsHere]

I agree with @Rick W .
Make the tree a 3rd party in the conversation.

As for the salvage title, I live in Ohio and my truck has a salvage title.

I use an insurance broker which searches other insurance companies for the best prices.
I gave them the perimeter of searching at least 10 to 20 companies for prices for my truck. My broker looked at 30 different companies and every one of them would only give my truck liability insurance because of the salvage title.

So you have to take that into a factor when debating whether you're truck gets a salvage title or retains it's regular title.

I hope My 2 cents gives you at least a little help.

 

[ShhhhhDougsHere]

P.S. to my post in this thread. Post #17 of this thread.

The best part of my insurance on my truck is I only pay $10 a month. And it covers the law liability if I do accidentally hit somebody someday.