Yeah, that's true. Also, my wife and I keep on reminding each other that we really wanted to get rid of that tree anyway. (The tree is was on our neighbor's property - between their house and ours - and we had asked them permission to cut it down at our expense, but they refused.
How's their insurance company liking it now? I assume if it was on their property then their insurance is paying for the repairs, not yours, right? Not quite sure how that works.