I met a guy on a golf course outside of Santa Cruz.
They had a tree that they wanted to remove as it was going to fall on the house in a couple years.
The city refused to let them cut it down.
I assume the house got destroyed and that insurance had to rebuild the home.
My brother needed to trim some oak trees - on HIS property that were interfering with the power lines and growing over his roof and onto the neighbor’s property - in an area well known for wild fires.
The tree trimmers told him they were not allowed to trim back the trees b/c they are oaks. Checked with the city and it was true.
He was grateful for the warning b/c the fines are thousands of dollars.
More likely, the insurance company said "Sorry, you knew it was likely to happen but did not inform us about it or correct the problem. No $ for you!"