Apparently when your neighbor's tree falls into your yard and crushes a couple of patio chairs, dents the metal garage roofing, and knocks off a gutter they don't have to pay a cent unless I can prove that they were aware that their tree was rotten! My insurance said it was an act of God. What a cop out. What does God have to do with it? It's a bunch of BS!. I guess this will be a test to see how honest my neighbor is.