A large tree in our yard is leaning and posing a threat to my neighbor's house Can either of us file a claim citing a potential hazard?

No,, Insurance policy does not provide coverage for routine maintenance such as landscaping, overgrowth control or regular Tree trimming. These ongoing maintenance needs are considered a normal expected part of home ownership.

If you are aware of a maintenance issue that is a hazard to yourself or others, including the property of others. It is the responsibility of the property owner to take preventative measures or they could lose coverage. The property owner could also find themselves subject to a law suit and could be found liable for injury or damages. Negligence is generally not a covered peril under a home insurance policy.