Loews Employees: Navigating the Financial Implications of Fallen Tree Damage on Your Property

Healthcare Provider Update: Healthcare Provider for Loews Loews Corporation utilizes Aetna for its employee healthcare coverage. Aetna is known for providing a range of health insurance services, including employer-sponsored insurance, which aligns with Loews' needs for its workforce. Potential Healthcare Cost Increases in 2026 As we look ahead to 2026, healthcare costs are projected to escalate significantly, driven largely by the potential expiration of enhanced federal premium subsidies and rising medical expenses. Many states, particularly New York and Arkansas, are witnessing proposed premium hikes exceeding 60%, reflecting a broader average increase of 20% across the ACA Marketplace. This alarming trend forecasts that over 22 million marketplace enrollees could see their premiums spike by more than 75%, making it increasingly challenging for families to afford comprehensive healthcare coverage. Click here to learn more

Are Loews employees responsible for the damage caused by a tree on their property that hits their neighbor’s home or other insured structure, such as a garage or shed?

In most cases, the answer is “no.”

When such damage occurs to your neighbor’s home due to forces outside your control (e.g., weather events), your neighbors may have to file a claim with their insurer to receive a reimbursement for the damage a fallen down tree caused.

There is one exception, however.

If it is determined that the tree damage stems from your negligence (e.g., dead limbs that you refused to cut down, or you chose to trim your tree as a weekend project), then the neighbor’s insurer may come after you to recover their loss—a process called subrogation.¹

You may want to check your policy or speak to your insurance agent to ascertain if your homeowner's policy covers your liability in cases of negligence.

When Neighbors Sue

Featured Video

Articles you may find interesting:

Some neighbors may seek to bring legal action against you, though often that is unnecessary.

For those working at Loews, determine what municipal laws are in place to cover such instances. Generally speaking, you are not responsible unless you knew, or should have known, about the danger. Proving what you knew or should have known can be difficult and costly in a court of law. It typically benefits both parties to arrive at a compromise that avoids an expensive legal process.

The information in this material is not intended as legal advice. Please consult legal or insurance professionals for specific information regarding your individual situation.