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

Healthcare Provider Update: Healthcare Provider for Southwestern Energy The healthcare provider for Southwestern Energy is UnitedHealthcare, which is one of the major national insurers. They manage the health insurance plans available to Southwestern Energy employees, offering a variety of coverage options that cater to their needs. Potential Healthcare Cost Increases in 2026 In 2026, Southwestern Energy employees and retirees may face significant increases in healthcare costs, driven primarily by anticipated spikes in Affordable Care Act (ACA) premiums. With insurers like UnitedHealthcare proposing rate hikes of up to 66%, employees could see their out-of-pocket expenses rise substantially. This situation is exacerbated by the potential expiration of enhanced federal premium subsidies, which, if they lapse, could lead to a surge in out-of-pocket premiums exceeding 75% for the vast majority of ACA marketplace enrollees. As the healthcare landscape evolves, it's crucial for employees to reassess their options early and strategically plan for this financial shift. Click here to learn more

Are Southwestern Energy 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 Southwestern Energy, 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.