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

Healthcare Provider Update: Healthcare Provider for Xerox Holdings Xerox Holdings provides its employees with access to health insurance plans primarily through a partnership with major national insurers. Prominent health insurance providers include UnitedHealthcare, Anthem, and others, depending on the specific plan and state location. Employees are encouraged to review their options during open enrollment to choose the plan that best suits their healthcare needs. Projected Healthcare Cost Increases in 2026 The landscape for health insurance premiums in 2026 is disconcerting, especially for Xerox Holdings employees relying on plans from the Affordable Care Act (ACA) marketplace. In many states, premium increases could surpass 60%, primarily due to the anticipated expiration of enhanced federal premium subsidies, rising medical costs, and aggressive rate hikes from insurers. Consequently, individuals enrolled may see their out-of-pocket costs rise dramatically, with estimates suggesting an overall increase in premiums by as much as 75% for nearly 92% of marketplace enrollees. This combination of factors makes proactive financial planning essential for employees to navigate the upcoming challenges in healthcare expenditures effectively. Click here to learn more

Are Xerox Holdings 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 Xerox Holdings, 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.