In South Carolina, the law and the insurance companies all stated when I inquired, that when/if my tree falls onto a neighbors house, the neighbor and their insurance company are responsible for repairs. I would imagine that laws are different in other states.
With that said, we had a very tall pine tree from behind our home get struck by lightning, and fell within a few feet of our house. Not wanting to take a chance of future damage to our home, or our neighbors house, we had 13 more pine trees removed along with 2 dead oak trees.
Take the advice offered earlier and check with your insurance company, then do what you think best.
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