Fact Finders: Wind damage from falling branches raises insurance questions

SPRINGFIELD, Mo. (KY3) - The Ozarks experienced more than 30 days this year when wind speeds reached 40 miles per hour or stronger, leading to questions about liability when tree branches damage vehicles.

The National Weather Service says winds of that speed can snap small twigs and branches . Larger branches can fall in those conditions if they are diseased, weak, or dead.

When a blast of wind knocks a big branch onto a car, the Insurance Information Institute says vehicle owners should start by contacting their own insurance company.

“This can be confusing for property owners and people in neighborhoods. But if a branch falls from a neighbor’s tree and hits your car, your first step is to file a claim with your own auto insurance comprehensive coverage,” said Scott Holeman w