What will the insurance company pay for? The tree is over 50 years old and has been used for protection for this reason. We do not want to have anyone injured/killed because of this. Since the tree will be taken down we will now have the fear of something terrible happening. It will take another 50 years or so for another tree to build that streng;th. Can we insist that the insurance company pay for some other barrier? Does anyone have any suggestions?