Negligence Liability 1
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Strictly speaking, it is your neighbor’s homeowners policy that should pay for the damages in your neighbor’s property even if that damage is caused by something from your property. To illustrate the point, if your tree falls on your neighbor’s property and destroyed a portion of it, your neighbor’s policy will pay for the damages. Legally, you and your insurance provider may not have to pay for anything, but your neighbor can hound you to shoulder his deductible. In the interest of good neighborly relations, it is important for you to do the right thing – which is at least to cover his out-of-pocket expense although you are not obligated to do this.