Well, this is a complicated issue.  We are not lawyers, so we can’t give you legal advice, but it is our understanding that if the tree was alive, even a little bit, then if it falls it is considered an act of nature, UNLESS there was a forewarning such as a certified letter asking the owner to remove it or something like this.  If a DEAD tree falls then the owner of the tree is responsible.  Again, we aren’t lawyers, but after years in the business and watching homeowners work it out with eachother and with insurance, this is our understanding.

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