A tree falls onto your property, are you covered? How much are you covered, just to remove the tree, is the clean up part of that? Will your insurance cover all or just part of this? Do you know? Most people have absolutely no idea what is really in their policy. National Fire Adjusters will review your policy (ahead of an issue is a good time to contact them).  A tree falling may seem minor compared to disasters that happen, fire, wind, water, hurricane, etc. but all of them effect you and having to pay for repairs, replacements, along with other miscellaneous expenses. You hope your insurance covers it, but the first call you should make is to National Fire Adjusters for them to handle the damage with your insurance company for you!  585-272-8220     NFA is so much more than fire adjustment!

https://www.nfa.com/resources/faq/residential-and-condo-faq/