When I was evaluating properties for insurance companies before they wrote a policy on the property, if I saw a tree that was a potential problem, I had to include a photo and description in my report.
A limb hanging over a roof, a tree that was split, looked like it had been storm damaged, appeared to be ready to fall over, all had to be reported, and the insurance company took what ever action they deemed appropriate.
However, if a policy was written without a physical inspection on the property, there would be no way for the company to know about the tree and the company would most likely be on the hook for any problems after they issued a policy.
I called a lady for an appointment to inspect a house once, and she replied she wasn't living there. She said she'd bought the house, closed on it, moved in, and five days later a tree fell over on it.
I don't know what the outcome was. On my part all I did was close out the inspection and move on.
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