Sharing our experiences, weather state law varies a little or not, is still a viable advise. How many jack arse neighbors have you delt with? How many have you needed to get the township and lawyers involved to make sure the lazy sleezebag that does zero property maintenance pays for the damage his neglect has caused? After the third time I had to fix my roof, from his half dead trees shedding branches and the township flat out telling me there's nothing they can do, and I can't do anything that will kill the trees, I spent considerable time and money to make sure the next time my house is damaged he's paying for it. I quite assure you, it's more then just a certified letter from the homeowner and all will be taken care of by the offenders insurance company.