Distance tree house insurance

Distance tree house insurance

Having trees, shrubs or hedges at home is interesting, but you have to know how far they must be from your neighbor's house. Indeed, they can cause damage or be a source of conflict between you and your neighborhood.

There are regulations to do this to contain these kinds of situations. What then are these rules? How to insure your trees? And what is the position of your damage insurance? What about the distance tree house insurance?

Regulatory distances between tree and house for your insurance
A frequent source of disputes between neighbors, the joint planting of trees, shrubs or hedges is governed by municipal regulations. So, if you want to maintain a good relationship with your neighborhood, you will have to go to your town hall to learn about these laws. And if not, then it would be subject to the laws of the Civil Code.

A tree or shrub whose height exceeds 2 meters must not be planted at a distance less than 2 meters, from the dividing line between your house and the neighboring one.

For those with a height of 2 meters or less, a minimum distance of 50 centimeters is required.
If a tree does not respect the distances prescribed by law, the owner of the neighboring house can require the owner to cut down the tree or prune it. However, if the owner of the tree objects to a neighbor's request, the neighbor does not have the right to carry out the cutting or delimbing himself or to order it.

Rather, he must refer the matter to the competent institutions or authorities to force the person concerned to comply.

The distance between tree and house is measured between the bark of the tree and the line between the two houses. Today, this law has been censured by a court of cassation which has proposed a new one according to which the minimum distance is measured from the median axis of the tree. That is, the trunk of the tree.

Distance tree house insurance

Distance tree house insurance: the exceptions to know?
However, there are cases where these rules do not apply.

The existence of a title: you have a legal document that exempts you from respecting the distance between tree and house.
The father of the family's destination: this is valid when the properties in question have previously belonged to a single owner. For example, if a father bequeathed a property to share with his children, the latter will not be able to appeal to the law on the distance between trees and house. This is the case if the tree in one’s territory caused harm to another, since it was only one and the same domain.
The 30-year prescription: this exception stipulates that a tree whose top has reached 2 meters for more than 30 years and which has not been reported by the neighbor cannot be touched in the event of a conflict after this time.
How to insure your trees?
As nature is unpredictable, it can happen that your tree falls under the violent gale and does damage. He could fall on a neighbor's roof, break his window, hurt someone or yourself. To prevent this kind of situation, it would be wise to insure your trees.

In reality, there is no specific insurance for trees. Since insurance companies do not offer a contract that directly covers the risks associated with tree ownership.
However, your home or garden insurance could help you get coverage for your trees when this service is optional in the contract.

You must then contact your insurer to declare your trees or inquire about the conditions necessary to be covered in the event of damage.

Possibilities in the event of damage
When your tree falls into a neighboring house causing damage, there are a number of parameters to consider when determining liability.

It is clear that natural phenomena are not under anyone's control. When a tree breaks and causes damage in a strong wind, and it is established that the owner of the tree is not at fault, the damage is the responsibility of the owner of the damaged house. He will therefore be compensated by his distance tree house insurance.

It may happen that the owner of the tree is proven to be at fault due to negligence or lack of maintenance. So whether or not the tree is blown over by a strong wind, the damage caused is the responsibility of the tree owner. If it covers these risks then, it is up to the insurer to compensate the claimant.

And if it is you who suffer the damage yourself, then it would be better if your house was insured and your trees were included in the cost.