Sorry I still not have managed to put a photo up. I think it is my server.
I am asking advice about a tree. in 2014 I bought a house in Crest. I was aware of the enormous Cedre du Liban very close by but went ahead with the purchase after reassuring my self having sort advice and information of the likelihood of the tree appropriately named, Hercules, that he would not fall down except perhaps in the event of a catastrophe like a tempest.
A tree expert came and looked at Hercules who is 1 metre from the house and said he was in good health. He said it would be a risk to try to reduce the height of Hercules because it could not be know how he would react, possible the change might effect water intake and the tree might even start dying. he added Hercules was about 150 years old and he would be very reluctant to cut down a magnificent and healthy tree. He also added that if a branch did die then at that point something would need to be done, ie remove branch. Hercules, inspite of being such a magnificent tree is not a protected tree.
I am discovering that it is difficult to insure for the possibility of your tree falling and damaging your own property. Axa, my assurance only do a 'garden pack' option which offers very little cover. Only in the light of a natural catastrophe, like a tempest, recognised by the maire and documented would my house be insured. MAAF do a slightly better version which would probably be enough just to remover poor old Hercules if he did fall down.
Has anyone experience of tree assurance in France or know of an assurer who might give a more generous cover?
The neighbours houses apparently are covered if damaged by for ex a falling branch. None of the neighbours have expressed concern over the presence of a large tree near by. the immediate neighbours actually have had to be reassured he will not be removed!
Any advice welcome