large tree in neighbours garden

cw3849

Can I ignore a very large tree in a neighbours garden when filling in details for house insurance. Its a large copper beech, about 25 m high, about 5 or 6 m from the corner of a single story extension to my house. Subsidence isn't the issue, we had extra deep foundations required by building inspector because of it. However falling branches, or even the whole tree could do serious damage. Do I leave it to the neighbours insurance, not declare its presence and claim off them, or do i need to pay through my own house insurance?

DullGreyGuy

Depends on the questions you are being asked. 

If you are asked about any trees over 20m and within 6m then you have to answer yes. If they dont ask about trees or ask about trees within 2m then you dont need to either offer up the existence of the tree or answer no. 

Most tree related issues are "an act of god" and as such you cannot reclaim from the neighbours insurance, only if its clearly rotten and you've told them so and they've not done anything about it would you have hope of making a claim from them. 

liamster

cw3849 said:

Can I ignore a very large tree in a neighbours garden when filling in details for house insurance. Its a large copper beech, about 25 m high, about 5 or 6 m from the corner of a single story extension to my house. Subsidence isn't the issue, we had extra deep foundations required by building inspector because of it. However falling branches, or even the whole tree could do serious damage. Do I leave it to the neighbours insurance, not declare its presence and claim off them, or do i need to pay through my own house insurance?

I see your problem. I have a large tree behind my property that i am afraid could cause  damage if it comes down due to the fact it has just been left  untouched for years by the persons who own the ground who i have been trying  to get
to do something about it but i can only bring it to there attention through an estate agent who handles there affairs and so far my issues have been ignored. My insurance companys advise is any damage caused by the tree falling would have to be claimed on my insurance. I of course would have to pay extra on my insurance for legal protection that would cover  legal expenses if i then went to the small claims court to reclaim the excess i have on my insurance.
So to be on the safe side I have to pay extra on my insurance to cover somebody elses tree from damaging my property. Its there tree so I can do nothing about it other  than cut off any branches that come into my garden and throw them back as they dont belong to me.
LG

BarelySentientAI

liamster said:

cw3849 said:

Can I ignore a very large tree in a neighbours garden when filling in details for house insurance. Its a large copper beech, about 25 m high, about 5 or 6 m from the corner of a single story extension to my house. Subsidence isn't the issue, we had extra deep foundations required by building inspector because of it. However falling branches, or even the whole tree could do serious damage. Do I leave it to the neighbours insurance, not declare its presence and claim off them, or do i need to pay through my own house insurance?

I see your problem. I have a large tree behind my property that i am afraid could cause  damage if it comes down due to the fact it has just been left  untouched for years by the persons who own the ground who i have been trying  to get
to do something about it but i can only bring it to there attention through an estate agent who handles there affairs and so far my issues have been ignored. My insurance companys advise is any damage caused by the tree falling would have to be claimed on my insurance. I of course would have to pay extra on my insurance for legal protection that would cover  legal expenses if i then went to the small claims court to reclaim the excess i have on my insurance.
So to be on the safe side I have to pay extra on my insurance to cover somebody elses tree from damaging my property. Its there tree so I can do nothing about it other  than cut off any branches that come into my garden and throw them back as they dont belong to me.
LG

You also pay 'extra' on your insurance for someone else crashing into your car, someone else breaking into your house, someone else starting a fire... if that's how you're going to categorise it.

cw3849

thanks for that clarification