I had a 40' maple come down during the worst wind gusts of Sandy which ended up destroying about 4 sections of my neighbor's 4' high chain link fence along with two large arborvitaes in his yard. To give a little backstory we'll be in our house five years this June and the day after the storm hit was the first time I had ever spoken with these folks face to face, so it was a little awkward to begin with. When we moved in we immediately got to know everyone except them. They are not home a lot, are older, have no children, and are never outside. I have nothing against people who keep to themselves I just figured after a while of them avoiding us that they didn't want anything to do with us which didn't really matter much to me. Anyway, back to the storm damage. I rang the bell, the wife came to the door and after an awkward "Hi, I'm Matt from next door?" I explained that I was already in the process of removing the tree from their yard, had already called the insurance company, and would let them know what I heard. It took a long time due to the backup from more serious claims, but an adjuster finally came out and I got the full report (and the check) about two weeks ago. I had assumed that I would be responsible since a tree from my property destroyed their fence, but the adjuster's report said that because the tree was healthy (no visible rot, insect damage, disease, etc...) and it was uprooted by the force of the wind alone (ruled an "Act of God") we were not responsible. We got a check to cover the removal of the tree and that was it since no property of ours was damaged. I called the adjuster and asked them about it to be sure and the adjuster said "Don't worry about it, their insurance will cover the damage to their property, it happens all the time." Today I saw the guy in the backyard for the first time in months and he asked me what the insurance company had said. I told him and his demeanor changed instantly. He shot back at me with "That's not what my agent said-he said that your policy will cover it-you're responsible and it's an eyesore, it's been six months and it needs to be fixed." I reiterated what the insurance company said and he told me he wanted to see it in writing. All I got in writing was a letter saying what the check covered-the information from the adjuster about the tree falling being an "Act of God" was given to me verbally over the phone. Furthermore, this guy is a complete stranger to me and I'm not just going to hand him documents with my information on them. I called the insurance company today to talk to the adjuster but they seem as swamped as ever and I'm thinking it's going to take them a long time to get back to me. I don't want to have issues with this guy and I liked it better when we didn't talk to each other at all, but I'm not going to pay for his fence with money I don't have (my wife has been unemployed for almost a year) if I'm not legally obligated to. If his tree fell on my car and he was deemed not responsible (their driveway is adjacent to ours) I doubt he'd be falling over himself to buy me a new car. Anybody ever been in a situation like this?