You'll be doing her a favor by pointing it out, Mike! When half of a pine tree fell on my house, it cost $7000 to have it removed from the house, cut down and hauled away, and another $7000 to fix the roof, gutters and siding. It would have only cost me, at most, $1000 to have the tree removed under normal circumstances.
I recall that Maryland law would require her insurance to cover all costs if it falls on your property (that's not the case in Virginia).
It might have the disease described here:
http://www.mdinvasivesp.org/ar...
