The tree crashed through my fence, hitting my roof, not sure if damage is done yet to the roof, but the fence is broken and I have a very large tree sitting in my back yard. Now, since the developer of this subdivision did not sell all of the homes they had intended to,there is empty lot full of probably rotted trees next door. Who is responsible? I do not wish to go through my own insurance company for this although they keep trying to push me this way. Home owners deductible is $ 1,000 plus will raise the rate for making a claim. The damage isn’t worth $ 1,000 so everytime a tree falls you must pay a deductible therefore making rates go up?
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