My neighbor had a tree from the neighbor on the other side if him fall on his fence. His insurance adjuster came to look at it and paid him for someone to remove the part of the tree that was on the fence, leaving the rest of the tree on both sides laying in the yard. He was furious when he got home from work. Apparently, a tree that falls in your yard is your responsibility even if it falls on something and crushes it. They just pay to get it off your house, car, driveway or fence and leave the rest for you to deal with. They did pay to repair that section of fence, though!