Topgolf Callaway Brands Employees: Navigating the Financial Implications of Fallen Tree Damage on Your Property

Healthcare Provider Update: Healthcare Provider for Topgolf Callaway Brands Topgolf Callaway Brands partners primarily with UHC (UnitedHealth Group) for employee healthcare coverage. As one of the major players in the insurance market, UHC provides various healthcare plans to Topgolf employees, giving them access to a wide range of medical services and resources. Potential Healthcare Cost Increases in 2026 for Topgolf Callaway Brands As we approach 2026, Topgolf Callaway Brands employees may face significant increases in healthcare costs driven by a combination of factors. Premiums in the ACA marketplace are projected to rise sharply, with some states seeing hikes exceeding 60%. If enhanced federal subsidies are not renewed, 92% of policyholders could potentially see their out-of-pocket premiums surge by over 75%. Consequently, Topgolf employees should prepare for these financial strains by reviewing their health benefits and exploring strategies to mitigate increased expenses effectively. Click here to learn more

Are Topgolf Callaway Brands 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 Topgolf Callaway Brands, 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.