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Menu * Home * About * Our Staff * Our Mission * Services * Careers * Useful Links * Commercial * Business Insurance * Focused Industries * Bonds * Auto Dealers Insurance * Business Liability Insurance * Commercial Auto Insurance * Commercial Property Insurance * Contractors Insurance * Cyber Liability Insurance * E & O Insurance * Landlord Liability Insurance * Liquor Liability Insurance * Restaurant Insurance * Workers Compensation Insurance * Personal * Home and Property * Auto * Recreational Vehicle * Umbrella * Life * Disability * Long Term Care * Claims * Resources * Blog * Retirement * Estate * Insurance * Lifestyle * Disaster Preparedness Center * Insurance Glossary * Contact * Contact Us * Need Help? * Get A Quote * Make a Payment BUSINESS INSURANCE With decades of experience, we're excited to make sure you get the coverage you need before you need it most. Learn More LIFE INSURANCE Life can move pretty fast sometimes. Having life insurance can ensure you and your loved ones remain protected even during life’s unexpected events. Learn More HOME INSURANCE Homeowners insurance products can help you protect your home and belongings should disaster strike. Learn More AUTO INSURANCE If you drive or own a vehicle, being insured is more than just a convenience – it’s a necessity. Learn More BUSINESS INSURANCE With decades of experience, we're excited to make sure you get the coverage you need before you need it most. Learn More LIFE INSURANCE Life can move pretty fast sometimes. Having life insurance can ensure you and your loved ones remain protected even during life’s unexpected events. Learn More HOME INSURANCE Homeowners insurance products can help you protect your home and belongings should disaster strike. Learn More AUTO INSURANCE If you drive or own a vehicle, being insured is more than just a convenience – it’s a necessity. Learn More CULTIVATED FOR YOU FALLEN TREE DAMAGE—WHO PAYS? As a homeowner, are you responsible for the damage caused by a tree on your property that hits your 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 down tree or branches cause. 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. You may want to check your policy or speak to your insurance agent to ascertain if your homeowners policy covers your liability in cases of negligence. PERSONAL INSURANCE No two people are the same, and our insurance professionals know this better than most. Our deep insurance knowledge and broad life experience inform our every decision, with only one goal in mind: your protection. With decades of experience, we're excited to make sure you get the coverage you need before you need it most. Learn more COMMERCIAL INSURANCE We believe every person deserve access to sound, informed insurance advice. Regardless of your situation, we’re ready to help protect your future. Come rain or shine we’ll keep what matters most safe. Learn more YOUR GOALS, OUR STRATEGIES Discover an array of services for all your insurance needs. Commercial Insurance When most of us think of commercial property insurance, thoughts of towering skyscrapers and industrial buildings come to mind. But it’s the often-overlooked pieces of commercial property that are most important to your business. Learn more Auto Insurance If you drive or own a vehicle, being insured is more than just a convenience – it’s a necessity. Learn more Home Insurance Homeowners insurance products can help you protect your home and belongings should disaster strike. Learn more Life Insurance Life can move pretty fast sometimes. Having life insurance can ensure you and your loved ones remain protected even during life’s unexpected events. Learn more HELPFUL CONTENT Curated articles, videos, and more for a more educated you. SHOULD YOU CONSIDER AN ANNUITY FOR RETIREMENT? Annuities are a popular and well-established method of providing a secure retirement income. Here are our answers to a few of the most common questions asked by people who are considering this option. Learn More IDENTITY THEFT INSURANCE: A GUIDE Identity Theft is one of the biggest risks of our time. Find out how ID Theft Insurance can help you stay in the clear. Learn More DID YOU KNOW THIS FACT ABOUT PARKING IN A GARAGE? Save money by parking your car in your garage. Learn More HAVE A QUESTION? WE HAVE ANSWERS! Payments made to this website are made to Underwood Anderson Insurance. This link does not apply payments to any 'Pending' insurance premium. Payment will not be paid to any Insurance Carrier automatically. By clicking, you acknowledge that payments to the website cannot bind coverage or pay Carrier directly. Proceed Your Insurance Professionals, Educating and Protecting Those We Serve! Corporate Address: 2302 North 9th Avenue, Pensacola, FL 32503-3951 Mailing Address: P.O. Drawer 9578, Pensacola, FL 32513-9578 850-434-5526 850-438-0330 (fax) CONTACT 2302 North 9th Avenue Pensacola, FL 32503 Office: 850-434-5526 Fax: 850-438-0330 agency@underwoodanderson.com QUICK LINKS * Retirement * Estate * Insurance * Lifestyle * All Articles * All Videos * All Calculators The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by Agency Revolution to provide information on a topic that may be of interest. Agency Revolution is not affiliated with the named representative, broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information. Disclaimer: “Information provided on the website is not a guarantee that insurance will be provided or that the agency is obligated to procure insurance for the website visitor. Any misstatements or omissions of relevant information by the client can lead to price variation or even declination or rescission of coverage”. . Copyright 2024 Agency Revolution.