Four homes were damaged last week when a tree fell in the Walden Woods development in Dobbs Ferry, displacing two families.

Roseann and Dennis Hunt were having breakfast in their dining room when they suddenly heard an “avalanche-type noise” before a tree smashed into their home - damaging their second and third floors and roof.

According to Roseann Hunt, the tree fell from a neighbor's property and struck three other homes – leaving them with roof damage.

The Hunts fear that their insurance may not cover all the damage and believe that the neighbor should be held liable.

However, the owner of a tree-cutting company who was working on an unrelated project in the neighborhood told News 12 that once a fallen tree crosses the property line, it becomes the responsibility of the homeowner and is considered an "act of God."

The property owners where the tree fell from have stated that they have turned the matter over to their insurance company and have no further comment.