I recently purchased a piece of property; a slender portion of which runs between a county owned road and a creek. There was a redwood tree on that portion that fell over and hit a neighbor's house. The tree fell because it was undermined due partially to the rains and partially because the water company purged a fire hydrant. My insurance company is stating Act of God, and I am worried at to what my responsibilty is. Does anyone know what my exposure is?