First, did you maintain and property damage coverage for this property? If so, then refer it to your carrier. If you did not, then you first need to establish that the tree fell as a result of your negligence and not because of a storm which is considered an act of god. I'm not a tree expert and, as such, don't know whether ivy on a tree indicates that the tree is not healthy. If it does, and you were aware of it, then you may be responsible. If it does not indicate that the tree is unhealthy, then you really have no liability/responsibility.
Answered on Jun 25th, 2013 at 9:45 PM