That's exactly why I look at clearcuts and see money. The tree right in front of our living room window fell over roots and all. Luckily it was only about 15 feet tall and fell away from our house.
Seriously, after working through 5 Portland winters as a garbage man (before moving to Salem) I'll never allow a tree to get big enough to damage my home. I saw some crazy results of winter storms like trees basically exploding during freezing rain storms.
I agree with you about trees damaging my house. When we moved into this place several years ago I took down a 3 foot diameter white fir that was directly upwind and 20 feet from my bedroom. I knew that I wouldn't be able to sleep with that tree there.
The tree that split is about 100 feet from the house, next to my son's treehouse, and not far from our pump house and greenhouse. See here for a picture of the damage. A corner of the house is in the background.
If you have a fast connection there are a bunch of photos here that I sent to my insurance agent (and the jerk said that it wasn't covered 8^( )