An Act of God?

[Plinsc]

Some homeowners policy covers tree cuttings on trees that will cause damage, always worth a look at the policy.

[Fr_Tom]

Insurance claims are unique in that they follow the damage not the cause. In this case the auto owner needs to file a claim with their respective company. The insurance company may subrogate against the neighbor for contributory negligence but that is even doubtful.

You have an obligation to protect your property from potential damage even if the source is not contained on or about your property.

-sp

Subrogate was the word I was searching for earlier.