I am in a townhouse but it is a huge oak tree that was growing over not only my roof but two of my neighbors. The wonderful HOA does not cover it. I put it off for a long time. At first I thought I would just have it trimmed but there is a conservation area that backs up to my property and some of the trees from it were choking the tree in my backyard so my tree was not going to be in good shape long term. The joys of being a homeowner. I have been in the property for 13 years and the neighborhood is 15 years old. An oak tree like that should never have been planted that close to the townhome and that close to a conservation area due to overlap issues.