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

Healthcare Provider Update: Healthcare Provider for Rocket Companies For employees of Rocket Companies, the primary provider of health insurance is the UnitedHealthcare (UHC) network. This collaboration allows Rocket employees access to a comprehensive range of health plan options that align with federal healthcare regulations and enhance overall employee wellness. Potential Healthcare Cost Increases in 2026 Looking ahead to 2026, healthcare costs are poised for significant increases, primarily driven by the anticipated expiration of expanded subsidies for Affordable Care Act (ACA) premiums, along with overarching medical inflation. It is projected that ACA premiums could rise dramatically, with some regions facing hikes of over 60%. As a result, more than 22 million enrollees could see their monthly premiums skyrocket by 75% or more, effectively pricing out many middle-income Americans from affordable coverage options. The combination of these factors creates a challenging landscape for consumers, necessitating proactive financial planning to mitigate the impact of these steep increases. Click here to learn more

Are Rocket Companies 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

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

For those working at Rocket Companies, 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.