On May 18, 11:31*pm, Smitty Two wrote:
In article
,

*Joe wrote:

Smitty, I posted on May 10th that I did discuss this with my neighbor,
go check. Yesterday he had a tree guy - well a guy who used to be a
tree guy (friend of his son) take a look at the tree and said he can
take it down but mentioned to us that he wasn't bonded or insured. If
my neighbor uses this guy to take down the tree and it damages my
property is my neighbor's insurance liable since this guy is not
covered?

Sorry Joe, I may not have you whitelisted. Most googlegroupers are
killed by default.

I wouldn't have the neighbor's son's uninsured "used-to-be-a-tree-guy"
friend do the work if I were in your situation. The risk / reward ratio
isn't satisfactory.

But he's not the one, hiring the guy who's removing the tree. The
neighbor is. As long as they do the work on the neighbor's property
and the OP isn't involved in any way, he doesn't have any say over the
risk/reward ratio. Now if the neighbor wants him to help pay for it
or will be doing it on his property, then it's a different story.

And to answer the OP's question, the neighbor's insurance company is
PROBABLY responsible if bringing down the tree causes damage to your
property. But, without seeing the actual policy, who knows?
Without the actual policy and verifying that it is in effect, you
don't know if he has insurance at all. I'd be more concerned about
reading MY policy. Say bringing the tree down destroys your fence.
If that is covered under YOUR policy, then you call your insurance
company and let them worry about paying for it and then collecting
from whomever.




Not only are you in a heap big mess if the tree falls somewhere it
shouldn't, but you could be on the liability hook for millions if the
guy breaks his neck and becomes a quadriplegic. I'm not a namby-pamby
about licenses and insurance, but I wouldn't touch this one.