Neighbors tree caused damage - no coverage due to act of God?

[CJ M.]

So the neighbor directly across the street from me, had a big chunk of a tree break off during a storm and fall across the power lines and road (and into my tenant's yard). When the tree hit the power lines, it pulled a metal post out of the roof of my rental, as well as the shingles around it. The owner's insurance company, called me and said they won't cover the damage because it was an act of God. To anyone on here with insurance as a background, does this sound correct? Thanks in advance.

[John Mocker]

CJ M What they told you is exactly correct. Unless you can show evidence that: 1. the tree was rotted or damaged before the storm (determined by an expert) 2. the owner of the property was aware of that damage 3. chose not to do anything about it. It is extremely rare that you can show the above conclusively enough to make it a liability matter. Your policy should cover the damage. They may also pay for the debris removal up to the limit in the policy.