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

Healthcare Provider Update: For TJX Companies, the primary healthcare provider is Aetna, which offers various health insurance plans to employees. As we look ahead to 2026, TJX employees may face significant increases in healthcare costs due to a confluence of factors affecting the entire industry. Record spikes in Affordable Care Act (ACA) premiums, driven by factors such as rising medical costs, the potential expiration of federal premium subsidies, and aggressive rate hikes from major insurers, could lead to many employees seeing their out-of-pocket expenses surge by 75% or more. Employers like TJX are likely to adjust their benefit structures in response, potentially transferring more healthcare costs onto workers, thereby putting additional financial pressure on households. Click here to learn more

Are TJX 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 TJX, 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.