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In most cases, your neighbor is responsible for roots from their tree that cause damage to your property. If your pavement, the foundation of your home, or a fence is damaged by roots from a neighbor’s tree, you likely will have legal recourse for financial relief. While it’s better to notify your neighbor of any problems you notice as soon as they arise to avoid costly damage, there are some instances where filing a civil suit is your only recourse. Your homeowner’s insurance company might wish to do so on your behalf if you file a claim.

If you don’t trim your palm trees, you can expect several negative outcomes, including:

• Unhealthy palm trees attract pests, diseases, and fungi 

• Dead falling fronds can cause severe injury or damage to your home, pedestrians, or cars

• Dead palm branches are flammable and can catch fire, especially during a lightning storm

State and local laws vary, but in most cases, you are allowed to trim any branches from your neighbor's tree that cross your property line. However, it's important to ensure you do not damage the overall health of the tree in the process. Removing branches incorrectly can jeopardize the health of the tree and could lead to you being on the hook to replace it.

Coverage varies quite a bit by policy, but most homeowners' insurance policies will cover $500 to $1,000 of the cost of removing a tree. Additionally, if your tree causes damage to your property, like your house, many policies will cover some or all of the costs to repair the damage, depending on why the tree fell.