It's not humid here, but our winters are wonderful, and we have palm trees and flowers year round. 

Pretty slow, going through the trees moving stragglers, watching for cougars and wolves.

If you close on the property and then discover the roof is leaking, the main sewer line is nothing but tree roots, really any major expense, that can easily put a borrower in a position where they do not have enough actual cash to solve the problem, so the property loses value due to deferred maintenance, or the borrower digs themselves into more debt, making it even harder to get another loan to cash me out of the equation at that upper 20% of equity.

There is no external damage i.e. tree falling down etc...

Had another contractor remove a small tree and debris from the yard, and one more to touch up paint on the exterior.

Some are cool spaces (like a loft, tiny home, tree house, desert home, etc.).

Their problem, unless the tree is obviously damaged/unhealthy.

We have 3 avocado trees and Ms.

Now that the tree has fallen on your property , its your tree .

If it's blocked by tree roots or something beyond Tenant's control, then you pay for it.