F'kin A.
:up: is correct.
In urban and suburban areas, land owners are supposed to keep an eye on their trees for signs of disease, weakness, erosion around the roots, etc.
But if the tree "looked O.K." to the untrained eye of an average person, it's not negligence just because a storm blows it down, or it falls for some other unforseen reason.
And it's not a case of "strict liability" either.
You can always submit a claim on your insurance, but don't expect the neighbor or their insurance company to willingly pay a claim or pay for the cleanup.
(In the last 2 years, I've been on both sides of this. My trees falling, and neighbors' trees falling on my stuff.)