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As we are all unaware of the real situation I will suggest that as it is a gum tree the branches could be 6 metres off the ground or even higher. If so, then no way is it the neighbours problem. If it is dead as described by the OP then it has to go and as it is their tree it is their problem.

I would suggest you inspect the tree yourself, if that is not possible then get the PM, neighbour or tenant to send you some photos.Then when you are talking to your insurance company you know what you are talking about. I suspect that they will say "it is not covered" then you contact the...