Dear Barry, The neighbors who live behind us have three large, but dead, cottonwood trees that border our back fence. A few years ago, our insurance company informed us that they would no longer insure our roof because it has wood shingles. If our neighbors' trees should fall on our roof, who would be responsible for the repair costs? --Leslie Dear Leslie, The exclusion of the roof by your insurance company may only involve fire damage or rain leakage. You should contact them to see if you would be covered for damages caused by a falling tree. As for your neighbors, their dead trees constitute a significant public safety hazard. They should be notified immediately that you want these trees removed and will hold them legally and financially responsible for any personal injuries or property ...
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