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Yeah , a gent with the same philosophy as me. To me, it's the same logical pragmatic approach whether it's tractors, cars, trucks, PCs, phones, bikes, or whatever (dare I say wives/girlfriends?/(husbands/boyfriends??)). We all want more/better........ but it's not an ideal world. So make...

In the USA, which I'm guessing this is, the process may well be different. In the UK, it would be an initial friendly chat (hopefully, but maybe not friendly) with your neighbour, and s/he would say that as it was his tree on his/her property s/he would get his/her insurance company on...