So, your neighbor’s tree has fallen on your house and damaged your roof and siding. You walk over to your neighbor to let them know your dissatisfaction and your obvious need for reimbursement. The poor gal/guy sighs and starts to stress out. They wonder how they will ever cover that kind of damage. But are they responsible? The short answer is probably not.
Wind can do all kinds of damage that a person cannot control. You would need to turn a claim into your own insurance for compensation because the neighbor didn’t intentionally or accidentally cause you harm. They are most likely not liable for the damage. However, there could be instances where an act of nature wasn’t involved and they are liable. You should always check with your agent to be sure.