Okay here goes......Lets say your neighbors house is 50 feet to the south of your lot line. And 10 feet in on your side of the lot line there is a 75 foot high maple tree. Then one day that tree falls over toward that neighbors house, smashes the schitt out of his attached garage. That tree has been there for 50 years. ----Does his insurance company pay for his garage/house to get fixed or does my insurance company fix it?
His house and mine were built in the late 90s.
The tree has not fallen over yet....but it is massive, 24-26" at the base. If a strong wind from the NW comes it could go over.