This is a question we have been asked by our clients. The basic guideline on who pays for the damage depends on whether the tree was healthy and green. A healthy tree blown over is considered to be an act of God and your neighbor would not be responsible. You would submit the claim to your own insurance company for the damage to your home and to have the tree removed off of your home. Unfortunately you would have to pay your own deductible. If the tree is diseased, dying or brown it is your neighbor’s responsibility to have the tree’s dead limbs removed or have the entire tree removed. If you talk with your neighbor about the tree and they are unwilling to take corrective action, it is recommended that you take pictures of the dead areas of the tree. If the tree later falls on your home their insurance company could pay for your damage, under liability coverage due to their negligence.