The overhanging branch is YOUR problem but you are entitled to remove it - at your expense.
Remember, the tree branch was overhanging your house when you bought the house.
At the time Mrs. Trap and I moved to The Villages, we looked at a very nice house (resale) that had a very large live oak tree close to the house. We told the agent to keep looking! Last year, a bolt of lightning hit that tree, splitting it and half fell through that house roof. We were VERY happy we did not buy that house.
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