Trees can be a real attraction, and many parks are located in woodland areas; Garston Park and Pathfinder Village spring to mind. Your policy should cover you for loss or damage by falling trees and branches, whether the trees are owned by you or someone else. This should also include the cost of removal. If the damage has resulted from the failure of the site owner, for example, to maintain the trees, your insurance should still pay for the damage and may then pursue the site owner for reimbursement if negligence can be proven. You should regularly check your roof for damage and clear your drains and gutters of leaf and twig debris; blocked gutters can cause real water ingress problems. If you are concerned about trees, ask the Local Authority to inspect them, especially if the owner is refusing to address your concerns.