Yes, there's a 12% chance that branch will fall off. Fallen trees can cause thousands of dollars in damage to a home and pose a great risk to those who live in it. Damage to trees in a home is generally covered by home insurance, according to the Insurance Information Institute. But it's much better to avoid having to file a claim in the first place.
A fallen tree can cause windows to break and a hole in the roof or cladding; even brick and stone can be damaged by impact. It could also have damaged the gas lines. Although the gas pipes are buried, there is a chance that they will be affected if the tree falls in the area where they enter your home. As a precautionary measure, it's a good idea to cut off the gas in the meter until you're sure the pipes haven't been damaged.
You will find a shut-off valve near the meter. To turn off the gas, use a wrench to turn the valve a quarter of a turn to the right. If the fallen tree did not hit a secured structure, there is generally no cover for debris removal. However, some insurance companies may pay the cost of removing the felled tree if they block a driveway or a ramp designed to help the disabled.
When a tree falls on your property, contact your insurer to find out how much coverage you will receive depending on the circumstances of the claim. If you discover that a neighbor's tree has fallen on your property, you may be worried that this will complicate your coverage. Standard homeowner insurance policies cover damage to trees and shrubs caused by disasters or accidents such as fire, lightning, explosions, thefts, airplanes, vehicles not owned by the resident, acts of vandalism and malicious mischief. If your land has been cleared leaving only a few trees standing, these trees aren't used to being so exposed.
In most cases, if an “act of nature” causes a tree to fall, the owner who suffers the damage is responsible for the cost of the repairs. Even if the branch or tree that fell on your house seems small, don't try to solve the problem on your own. Most trees in residential environments are healthy and have many years of healthy life before becoming a hazard to your home. Over the years, growing trees add more leaves, become heavier and “catch more wind”, so they are prone to increased mechanical stress, increasing the chances of failure.
A tilted tree isn't necessarily unstable, but it's something you should ask a professional about if you're not sure. That said, there are also risks in having trees on your property, especially if they're close to any structure. When a tree falls on the house, there is always the possibility that it will take the power lines with it. These fast-growing trees cause a significant amount of damage to homes, cars, buildings and utility lines every year.
Trees need to be prepared to better withstand these natural events and should be done well before the storm season. Without the windbreak they previously had in the form of other trees, these remaining trees are much more susceptible to wind damage.