After a long winter in hibernation, I was finally beginning to make progress cleaning up my outdoor work area, cleaning up flowerbeds, adding compost, planting seedlings and new plants... Then BANG!
For the fourth time in the last 10 years, a large limb from the rotting tree in my neighbor's backyard came down and landed at least partially on the roof of my garage. This time, it happened about 3:30 PM and most of it landed on the ground. Five minutes earlier, I was power washing right there, and because of the noise the power washer makes, I literally would not have ever known what hit me.
This time, I was able to lay enough of the guilt trip on my neighbor, especially since his three-year-old daughter plays in their backyard, that he is finally going to have the whole tree removed.
Had one of those. Not as dangerous as yours, I was at work at the time. Came home to find a branch off the tree in the next yard had broken and went through my dining room window, which I had replaced the previous year. Needless to say, had to replace again. Fortunately it happened BEFORE I got the new siding and trim on the house so replacing it wasn't real difficult. The property owners did cut the tree down immediately, although the branch came off during a storm. Oh, yeah, there was that thing about an inch of rain that came after he window was broken.
I had concerns about a huge tree in my neighbor's front yard , and asked him to trim it . Said he was too busy and didn't have time . Some six months later , the weather bureau was forecasting a hurricane . I walked across the street and started taking pictures of his tree , next to my house . He came out and asked why I was taking the pictures . I replied that I was concerned that some of the rotten branches might fall on my place . He said don't worry about it , my insurance would pay for any damage . I answered that it would be his insurance company paying , not mine . He immediately trimmed it thoroughly , before the storm came through .