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

Healthcare Provider Update: Healthcare Provider for Trimble: Trimble provides health insurance through various national insurers that typically include UnitedHealthcare, Anthem, and Cigna. These insurers offer a range of plans that cater to the healthcare needs of Trimble's employees. Potential Healthcare Cost Increases in 2026: In 2026, Trimble employees may face significant increases in their healthcare costs, primarily due to escalating premiums in the ACA marketplace. Some states anticipate hikes exceeding 60%, with nationwide averages reaching around 20%. Contributing factors include the anticipated expiration of federal premium subsidies, coupled with ongoing medical cost inflation driven by rising hospital and drug prices. As a result, a considerable number of employees could see their out-of-pocket expenses rise dramatically, underscoring the importance of careful benefit management and plan selection. Click here to learn more

Are Trimble 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 Trimble, 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.