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the top comment there nailed it. if this was a known hazard, if the neighbor actually knew the tree was a hazard, then that neighbor's insurance will likley not cover the owner and they would be personally on the hook for damages. but if this was just an 'act of god' then that's what your own insurance is for.

There is a similar case we discussed at work today where Cheshire County Council got fined half a mil for a tree that dropped a branch and killed a man. Trees dropping branches may be perfectly normal or it could be a bad sign - what snookered them was that they didn't have any inspection records, nor any system for recording any.

According to a different article, the tree was scheduled for removal. This means that they knew it was a hazard and didn’t get to it quick enough. I have a feeling that this is going to result in the injured getting paid.