If a live tree falls on your neighbors fence, who's responsible?
Answer: Your Neighbor would be responsible for fixing/repairing his own damage. As long as the tree is alive then its considered an act of god. Your neighbor would want to contact his/her insurance company to see what type of coverage they have and what there deductible is that they would be responsible for.
*All claims are subject to review and approval by the insurance company/adjuster* This is not a statement of contract. All products, coverages, features and discounts are subject to terms, conditions, availability and qualifications which may vary from product to product and carrier to carrier.