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Message: <blockquote data-quote="Dalejbrass" data-source="post: 2122092" data-attributes="member: 26905">I own an independent insurance claims firm and might be able to help....but, I first have to know what you are trying to find out!?! if you don't want to pose the question to the world, feel free to IM me and I'll try to help.If it helps, here's a tid bit of information for you. Your insurance policy covers damages to your property; dwellings, fences, driveways, etc. Example - your neighbors tree falls on your house....your insurance company would pay for the repair, not the neighbors. Extenuating circumstance would be; if the neighbors tree was dead and you have informed them as such (typically needs to be proved) neighbor would need to take care of it before it damages your property. However, typically you would file the claim on your home for the damages and your insurance company would file a liability claim against their insurance company.Hope some of this helps you.</blockquote>