Who pays?

If your neighbors tree, which is alive and healthy falls on your house

 who's insurance is responsible to pay - 

you or your neighbor??

It depends on the condition of the tree - 

f the tree is dead / has dead limbs and the owner of the tree is aware, 

and or you had made the homeowner aware of the issue and it falls on your 

house then it would go off of the neighbor if they ...

neglected the tree - however if it is a perfectly healthy tree and its falls
on your house, then it is on you as the neighbor was not negligent in
any way and it is considered an act of God -
agree or disagree this is way the way it always plays out - 

we have 3-4 clients going through this right now -
Neighbor had healthy tree, storms blew it onto their house -
we pay out not the neighbor.
Call us for more information. 
360-414-8754 or 360-736-8090