BAR wrote:
Reginald P. Smithers III wrote:

If the tree is healthy and is knocked down by an act of God, it would
be your homeowners insurance which would pay for the damages. Only if
the tree is unhealthy and it is obvious to a reasonable man that the
tree will fall would your neighbors insurance pay for any damages.


My neighbor's tree is leaning about 20* off vertical. The root ball has
started to lift.

If you are not certain they already know about the problem, I would
definitely let them know immediately. Then they have a reasonable time
frame to correct the problem, or they would be held responsible for any
and all damages.