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Is this tree healthy?
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It's fine. Worst case you pay a deductible and get a new roof.
I have a coworker who took this approach and hasn't lived in their house for over a year now waiting for the roof and structural aspects to be repaired.
Yea this is the exact scenario I'm trying to avoid, yea I have insurance, but besides the fact the deductible is over 2k I just KNOW it's going to be an absolute PITA and at least 6 months in some shitty hotel or something
That's the breaks. Hopefully their insurance is paying for different accomodations.