Neighbors potential problem tree
We've had high winds and lots of rain lately, and are expecting more. Trees, large ones, have come down all over the area. A friend had one come down in her yard on Saturday, which fortunately missed their house.
I was outside speaking with my next door neighbor and we were discussing a very large tree with 3 very tall trunks that come right out of the base of the tree. Parts of this tree look very dead. The tree is on the property of the neighbor directly behind my next door neighbor. The tree is on the corner of the property, right up to my property line. The property has always been a rental, so neither of us knows who the owner of the house is. Anyway, because of the way this tree grows, if it were to come down, it looks like parts would go onto my next door neighbors home, and the left section is tall enough to hit the back side of my house. It would also likely take out a shed I have at that back corner of the property. It also would probably take out parts of my fence.
I have never had any property damage from this tree, but a few large branches have fallen off over the years into the yard, and just fell onto the lawn. But my neighbor is concerned the tree is looking bad, and is also worried given the number of healthy looking trees that came down recently with all the wet weather we have been having.
My question is, who pays if this tree comes down on my property or home? Would I first contact my insurance company, who in turn would send pursue the matter with the other homeowners insurance company? What happens if the tree does not damage the house and just falls into the yard? Who pays then? Am I supposed to bear the cost of hiring someone to cut up and remove the tree in that case? In 13 years of owning this home, I have never had a single claim, (knock wood). So, I'm not quite sure how this process works. Any advice/experience would be helpful.