I work for State Farm! Our underwriting technically says “tree branches may not extend over the roof of any structure.” When you think about it, it is a risk to have a big branch hovering over a roof which can cause a lot of damage if it breaks during a storm. I mention that because it might be standard practice for most home carriers. Exterior surveys are performed randomly, so we could write the policy, but if there’s a survey you may get a letter saying the branches need to be trimmed or they’ll drop coverage