Trees are tricky. The best thing to know is that every homeowner is responsible for what’s in his or her own yard.
If a neighbor’s tree lands on your property, it’s then considered in your yard. Your homeowners insurance will help cover the removal of the tree and any damage it caused, after your deductible. The same is true in reverse: if your tree falls in your neighbor’s yard or on their roof, they should file the claim with their insurance.
In my experience, neighbors are usually able to work out what needs to be done without too much disagreement. However, if the tree has been identified as a problem tree—one that’s rotting inside or that’s split before—the case might get a little heated and one person can be considered liable for the damage. When that happens, one homeowner’s insurance company may try to settle the claim with the other’s homeowner’s insurance in a process called subrogation.
To make sure this doesn’t happen, tend to the health of all the trees on your property. Prune them regularly so they don’t interfere with electrical or telephone lines, and if the tree’s health is questionable, call a specialist before any damage occurs.
Info Source: Erie Insurance: https://www.erieinsurance.com/blog/tough-tree-questions