A friend of mine did have a tree fall on her house and it was pretty serious. Fortunately there was no one home at the time because if they had been home, her son would have been seriously injured, if not killed by that tree. The damage was through the roof, her son's room, and the kitchen, and they have to move into an apartment for about 6 months until the repairs are complete. The upside to this is that she is getting a new kitchen out of the deal, which was on the list eventually anyway.
I guess I can live with that proposition now that I think of it as this tree is situated in the rear of the house and if it does fall on the house the same rooms will be affected in my house as in hers. The kitchen has been a sore point for me in all the years we have lived there but my husband has not gotten around to updating it so I continue to live with it as it is. But then again, I need to be careful with what I wish for because despite the fact insurance will cover most of it, the cost of the new kitchen I want along with repairs to the house caused by the tree will far exceed the amount of coverage we have. At least now we have a great supply of firewood for our patio firepit for the next year or so.