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I don't know if this will help, but my friend had a similar situation where the tree did fall and damage his property. The owners insurance did not pay but he was able to collect on his homeowners policy and since it was considered an "act of God" it was not charged to his policy. He was...

In my area of New York State there is a public fishing access site bordered by private property. For years, we have waded from the public access site out in front of the private property. We have never trespassed on the property, but the new owner insists that he owns the bottom of the lake...