Backstop if a tree falls on your property from your neighbours, your insurance will cover it, not his. But if before it falls, you give him a written warning that it may fall on your property, then he’s liable. I had it happen on my commercial property.
When I did insurance claims with my business, State Farm was never allowed anything until they paid first, they were the worst in my opinion to deal with. Crow
The problem here was that there was obvious human action that caused the tree to fall, which takes it out of the "act of god" category, but SF would not pursue it.
Again, I was unaware of the intentional human caused fire damage that caused the tree to ultimately fall because the privacy fence hid the evidence from me until the tree fell and knocked down the fence.
I fully understand what you are talking about, but in this case there was a human cause and the insurance company simply chose (as they most often do) to just raise my rates and not sue the person(s) who caused the tree to fall. This was not an "act of god" case.
All insurance companies suck when it comes to such liability. They are NOT on your side.