I love this graphic that I received from Chubb!  Most insurance policies will pay for tree debris removal, but it is a small amount and it is subject to your deductible.  I suggest that you read your declarations pages and see what and how much is covered.  Then you know if it is worth cutting the tree down or trimming it up to keep everything safe!

ps.  Encompass Insurance just increased tree debris removal coverage up to $1,000 per tree $2,000 total and includes any tree that has fallen on the property , no damage necessary!  Contact me for more information!