Every home would benefit from having trees. They offer beauty, fresh air, and shade. Trees that are close to or on property lines, however, can also be a concern. Tree root damage is one such issue. Tree roots have the potential to get very huge and can harm home foundations as well as sidewalks and roadways. When this occurs, the question of who is responsible for the harm done by tree roots emerges.
The person who owns the land where the tree is located is often responsible for any harm the tree’s roots may cause. This implies that you are liable for any repairs necessary if a tree on your property damages your neighbor’s property due to its roots. However, if the neighbor planted the tree and its roots spread across your property, the neighbor may be liable.
It is crucial to remember that responsibility for tree root damage can be a tricky situation. In rare circumstances, neighbors or even a property owner and a municipality may share responsibility. The municipality might be held responsible, for instance, if a tree was planted on public property and its roots harmed a neighboring private property. Do tree roots fall under the scope of home insurance?
Usually, homeowner’s insurance will pay for tree-related home damage. Damage brought on by tree roots, however, is typically not covered. This is due to the fact that tree root damage is seen as a maintenance issue rather than a sudden occurrence. The owners must frequently check their property for potential tree root damage and take action to stop it from happening.
It might be challenging to ascertain who owns a tree that is growing on or close to a property line. In most cases, the tree is thought to belong to whoever owns the land where its trunk is situated. Both neighbors may have an equal ownership stake in the tree, though, if it is right on the property border.
Both neighbors have the right to cut the hedge back to the property border if it is close to a property line. However, each neighbor is in charge of maintaining the hedge on their respective side. A neighbor must first get consent from the other neighbor before trimming the hedge on anything other than their side of the hedge. Furthermore, a neighbor is not permitted to cut a hedge in a way that weakens or destroys it.
In conclusion, the owner of the property where the tree is located is often responsible for any harm caused by tree roots. Tree root damage is often not covered by homeowner’s insurance. Both neighbors have the right to trim a hedge up to the property boundary, and the ownership of a tree on a property line can be a tricky matter.