What To Do If My Neighbour’s Tree Fell On My House

• Ensure Safety: First and foremost, ensure everyone's safety. Evacuate the affected area if there are risks of further collapse or damage.
• Document the Damage: Once it's safe, document the damage. Take clear photos from various angles and write down any details that might be relevant. This documentation is vital for insurance claims.
• Contact Authorities if Needed: If the fallen tree poses immediate danger to others, like blocking a road or interfering with power lines, contact the fire department or the City of Saskatoon if its during business hours.
  

• Homeowner's Insurance: In most cases, your homeowner's insurance policy should cover damage to your property, regardless of the tree's ownership. Contact your insurance provider as soon as possible to report the incident.
• Liability and Responsibility: Liability for damages often depends on the tree's health before it fell. If the tree was healthy, it's usually considered an 'Act of God', but if it was known to be diseased or dying, your neighbor might be liable.
• Documenting Communication: Keep records of all communications with your neighbor and insurance representatives. These documents can be crucial in case of disputes or claims.
  

• Temporary Fixes: Implement temporary measures to prevent further damage, such as covering broken areas with tarps. Be sure there is no risk of further damage or injury by taking this step.
• Professional Assessment: Engage professionals to assess the structural damage. It’s important to understand the full extent of the damage before starting repairs.
• Hiring Contractors: Choose reputable contractors for repair work. Ensure they are licensed and insured, and always request quotes and timelines. Oftentimes during these emergency situations, many contractors will suddenly be busy. Don’t make the mistake of hiring someone under qualified, as this can make things even worse.
  

When a neighbor's tree falls on your property, it's not just the immediate response that matters; it's also crucial to consider long-term strategies to prevent such incidents from recurring and to manage your relationship with your neighbor effectively. Understanding when legal action might be necessary is also important.

Preventive Measures for Future Incidents:

• Engage in Dialogue About Tree Health: After resolving the immediate incident, initiate a conversation with your neighbor about the health of remaining trees near property lines. Discuss scheduling regular professional inspections to assess the risk of future falls.
• Joint Tree Maintenance Efforts: Propose collaborative efforts for tree maintenance. Shared responsibilities, especially for trees affecting both properties, can prevent future hazards and foster good neighborly relations.
• Document Agreements: If you reach any agreements about tree maintenance or removal, document them. This not only provides clarity but also serves as a record in case of future disputes.

Maintaining Good Relationships with Neighbors:

• Communication Post-Incident: Openly communicate with your neighbor post-incident to discuss what happened and how similar situations can be avoided in the future. Approach the conversation with a focus on safety and mutual benefit.
• Understanding and Empathy: Understand that your neighbor may not have the same emotional response to what just happened. Approach the situation with empathy and give them some time to compose themselves if needed. 
• Collaborative Solutions: Look for solutions that are mutually beneficial. For instance, sharing the cost of tree removal or future tree care can be a practical and fair approach.

When Legal Action Might Be Necessary:

• Unresolved Liability Issues: If your neighbor is clearly liable (for example, if the tree was known to be unhealthy) and they refuse to cover the damages, legal advice might be necessary.
• Property Line and Tree Ownership Disputes: If there's a dispute over who owns the tree or disagreements about property lines, it might require legal intervention to resolve.
• Non-Cooperative Neighbor: If your neighbor refuses to engage in preventative measures or discussions post-incident, and you believe there's a continued risk, seeking legal counsel might be the appropriate step.

While legal action is a last resort, your safety and property protection are paramount. It's often best to try and resolve these issues through direct communication and mutual agreements first. However, in cases where there's a clear risk and lack of cooperation, legal steps may be necessary.