R.R. Donnelley & Sons Employees: Navigating the Financial Implications of Fallen Tree Damage on Your Property

Healthcare Provider Update: Healthcare Provider for R.R. Donnelley & Sons R.R. Donnelley & Sons currently partners with various healthcare providers to offer its employees comprehensive health plans. For specific services and options available, employees typically refer to the company's benefits portal or contact their HR department for detailed information on selected providers and insurance plans. Potential Healthcare Cost Increases in 2026 In 2026, R.R. Donnelley & Sons employees are poised to face significant increases in healthcare costs, driven primarily by soaring insurance premiums and changes in coverage structures. Many major insurers are proposing rate hikes of up to 66% in states like New York, and without extensions of federal premium subsidies, marketplace enrollees could see their out-of-pocket costs rise by over 75%. As a result, employees may need to navigate a landscape of higher deductibles and increased cost-sharing, which could substantially impact their financial obligations towards healthcare services. Preparing for these changes by reviewing benefit options and understanding cost implications early will be crucial for managing future healthcare expenses effectively. Click here to learn more

Are R.R. Donnelley & Sons 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 R.R. Donnelley & Sons, 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.