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Had an independant tree sugeon report 18 months ago which confirmed tree was sound, not damaged or diseased no evidence of loose branches. Tree was very large but had been in our garden over 30 years with no previos problems. No trees in area fallen as far as i know but cannot be sure.Neighbour is very difficult he wants to use his workman and me pay I have today had the tree removed from his garden at my expense As the boundary is HIS my insurance company will not pay. He has always wanted the tree down but it was beautiful and we refused.He previously sent unpleasant letters to try to get us to cut it down and offered to pay but now wont pay anything