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Sorry but your homeowners policy will most likely have to pay for the damages on your property. I assume that the tree fell due to a storm and that it was a live tree when it fell. This is an act of God and is not covered unless it was caused by your neighbor's negligence. If it was a dead tree that you had notified your neighbor needed to be removed and he didn't do it or if it was obviously dead and in his front yard where he had to see it every day he may have been negligent and his policy or he personally may have to pay. Otherwise your policy will pay for your damage and his policy will pay for damage on his property.

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Q: Who is liable in state of Virginia if a neighbor's tree fell on my property?
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