Charlotte Waters and Kathy Grunewald of Legal Services of North Florida explain Florida’s current rules on liability for fallen trees, emphasizing that responsibility depends on the tree’s condition when it fell. If a healthy tree falls due to a storm (an “act of God”), the person whose property is damaged generally pays for cleanup and repairs, typically through their own homeowners' insurance. If the tree was dead, diseased, or visibly unsafe and the owner knew or should have known, the tree owner may be responsible, though proving notice can be difficult; documentation, prior communications, and arborist opinions can help. They discuss how HOA/common-area trees may involve similar notice issues, note that the proposed 2024 “Fallen Tree Act” did not pass, and share preparedness tips like inspecting and trimming trees, communicating with neighbors, and checking insurance coverage.

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In this episode of Legally Yours, Charlotte Waters and Kathy Grunewald of Legal Services of North Florida explain how FEMA fits into disaster recovery, emphasizing that FEMA help requires a presidential major disaster declaration and is meant to make a primary residence safe, livable, and accessible. They break down FEMA Individual Assistance, who can apply, how to apply, what information to gather, and why documenting damage with before-and-after photos and keeping receipts matters. They describe the inspection process, fraud cautions, and appeal rights, including deadlines, the need for new documentation like licensed contractor estimates, and FEMA’s 90-day appeal response window. They also discuss how legal services can help with FEMA appeals and common issues like proving ownership and occupancy and note SBA disaster loans as another recovery option.

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Welcome back to another episode of Legally Yours! This episode is a special behind-the-scenes look at the recent Florida Disaster Collaboration Conference, featuring interviews with attendees. Hosted by Legal Services of North Florida and made possible through funding from the Legal Services Corporation, this biannual conference series has brought partners from across the state together over the last six years. In this episode, we explore how legal services and a wide range of community partners support people before and after disasters, and how collaboration helps deliver the best possible services to the community.

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