This is highly dependent on many factors, my neighbors tree fell and took out a section of my roof. He had been served legal notice that the tree needed removed, as it was a danger to adjoining property from my lawyer and the township.(multiple letters from the township code enforcement officer) When it fell, even with (what I thought) proper procedure in place so I was covered, my home owners insurance still had to foot the bill. Needless to say I was not happy, as I had offered (at my expense) to have the tree removed before this happened. From what I was told this is normal practice. Guess I could have sued him in civil court, but didnt have the time or money for that.