[archerlc]

If a live tree , on your property, falls on your neighbors property it is their problem. If a dead tree , on your property, falls on your neighbors property it is your problem.
I had a live tree , that had actually started to go had in the center, break and fall on his garage. You could not see that it was going bad. Full leaf growth.
The first thing the insurance man asked was "Did it have leaves"?
I offered to pay the deductible. He said no. He got a new garage roof for $500.