i guess i'll havew to wait untill i get a bucket truck to trim it and then take it down but i just don't won't to mess with it because of the house are so close to each other.and plus it's alittle roited on the out side but i don't know about the inside of the tree
Somebody, somewhere, with the right equipment and the proper knowledge can take down that tree.
Listen to your gut. There's no disgrace in just walking away from something that could turn into a disaster. Read the fine print in your insurance policy, too. Some of them specify distances from dwelling, powerlines, etc. and won't cover you if you screw up.