The truth is that if it was a act of nature for the tree to fall, it is not the fault of who owns the tree. It will be up to your insurance to cover the damages that came from the tree falling on your property. I had a tree fall in my yard that was across the property line when fran came it did some damage to my house when trying to pursue who was at fault I found out that it was no ones fault but nature there fore I had to claim it on my insurance.