Who pays when a neighbor’s tree falls on your house in Iowa?

In many Iowa homeowner claims, your own insurer handles damage to your structure first, then subrogation may follow if negligence is clear. A healthy tree that fell in a storm is often treated as an act of nature. Document everything and call your carrier — then get emergency tree service to clear the hazard.

What to do next

1. Ensure safety; avoid downed lines.
2. Photograph the tree, roof, and property line.
3. Call your insurer, then request emergency or storm tree service.