Do not remove the tree from her car!! You'll end up at fault somehow...
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Oh crap!!!! My tree in my front yard!!
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Insurance Company will more likely call that an Act of God, the only possible way that your insurance will have to pay is if you are negligent. If the tree in your yard is dead, that is one possible way to be found negligent and you pay. Other wise an Act of God, you are off the hook. Goodluck
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I'm an arborist that does Risk Assessments. The only way YOU (Your HO insurance) would be liable is if it was proved that the limb was in danger of breaking prior to the storm and you were made aware of it or it was so blatantly obvious that you should have known about it. With the Ice storm ya'll are having up there, it's a no-brainer, unless that branch was previously dead.
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