What I have experience in the last couple of years, when renewing my buildings insurance, is the insurance company asking if you have any trees near your house, in one case it was within 10 metres. You can't say no, because they will look on Google Earth and can see immediately if there is a tree there. Depending on what tree it is, they want to know how big it is, which they can usually see anyway, so they can and will refuse to insure your house. Had problems with 3 different insurance companies, inc. one I was already with. Edited for clarification