With so many trees down in the metro, insurance agents tells Channel Six News that one of the most common questions from clients involve trees from a neighbor's yard hitting their own homes or cars.
So who pays?
Experts say where the tree lands is the biggest indicator. If your car or home is hit by a neighbor's tree, your insurance will be on the hook most of the time.
There are exceptions.
"Sometimes the case is made that you had something in writing that maybe you warned your neighbor that the tree was in poor health," said Matt Dougherty of State Farm. "Maybe even the city took a look at it and created a paper trail."
Even if that's the case and negligence is a question -- say the experts -- let the insurance companies battle it out.