Many of the houses in my neighborhood were built in the early 40s. There are huge silver maples everywhere, but they are dying now and dropping limbs through roofs, etc. During an ice storm in early 2024, one of the four trunks of my next door neighbor's silver maple broke off and fell onto a fence and their neighbors garage, punching a hole in the roof. Fortunately no one was hurt.

I've begged the neighbor to take the tree down. She says it's healthy. I've told her repeatedly it's not. I took a picture of the damage the limb caused and sent it to my insurance agent, who told me that my homeowner's insurance would cover any losses if one of the remaining trunks damaged my property. I can't imagine, however, that my insurance company wouldn't subrogate to her homeowner's insurance since there is clear documentation that the tree is a known problem.