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Welcome to Ryan Ferraro Agency Inc

Proving trusted insurance advice for your peace of mind since 1978

Personal 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.

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Farm Insurance

Our agents are no stranger to the uncertainties of farming. Many of them grew up on or around farms and understand the difficulties growers and producers can encounter. We’ll help you find coverage to fit your needs.

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Our Team

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.

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Our History

Established in 1978.

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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.