"Who Is Responsible for Fallen Tree Damage?
In most states, if your tree or any part of it falls on your neighbors’ property and causes damage to their property through no fault of your own (due to a snow storm, winds, hurricane, or another so-called “act of God”), you are not responsible. Your neighbors will have to file a claim with their own property insurer if they want to be reimbursed for their loss.
If, however, the tree that you own, or a branch from it, fell as a result of your negligence (for example, an overhanging branch had been dead for years and your neighbors had been complaining about it for nearly as long but you neglected to have it cut down), you are liable."
I had a large Pin Oak come down in wind storm a couple of years ago. One section went into my neighbors yard, one section came down in my hard. I was not liable for the damage or removal in his yard, my insurance covered the part that came down in my yard. What the insurance did not cover was removing the still large section of tree that remained. That was way more than the damage, but if it came down at a future date, I could have been held liable for the damage.
Glad to see it came out as good as it did.