I just talked to a new neighbor about a Silver Maple in his yard that should come down. It wouldn't hit my house if part of the split trunk fell, but it would do a number on his. He said it was on his radar already because it doesn't look healthy and would land on top of his kids' bedrooms. I told him it's rotten to the core, because it is.
I've heard that some insurance companies will reduce premiums for homeowners who remove problem trees.