6jun 0 Who is responsible when a tree falls? Homeowner's Insurance, News & AnnouncementsNo Comments A common misconception in insurance is who is responsible when a tree falls. Check out this video from The Cincinnati Insurance Company Who is responsible when a tree falls? Share this Story Gallen Insurance has been providing complete business and personal insurance products and benefits services to residents of Berks County, the Greater Reading Area and throughout Pennsylvania since 1957.