Property Damage from non HOA neighbor

As a newly elected Board member and new HOA President I decided to take a walk yesterday around some of our common area property that borders non HOA neighbors. I discovered a huge oak tree that had fallen well into a section of our HOA that is designated a detention area. The tree is around 80-90' over the property line and is laying on our property. This is well matured oak that appears to have a 3'+ diameter at it's base. From looking at it I am guessing this tree fell over a year ago. Obviously the property owner where the tree grew has done nothing to get the tree removed. A good portion of a 6' tall wooden fence that also belongs to our non HOA neighbor has also fallen onto our property. Since the damage isn't on any of our HOA's members home property/lots and is somewhat hidden I don't think it was ever reported to the previous Board. My question is who should we contact to get the tree and the fence removed? The non HOA homeowner or our insurance company?
Dennisg7

In situations like this, always contact your insurer first and take direction from the insurer's agents.

Because insurers are sticklers for being notified of the possibility of a claim as soon as one knows of this. Else the insurer typically is on solid ground for denying the claim.

Example:
Common area trees have roots that are causing sewer line backups into condo owner's units. The condo attorney at the direction of the board tells the owners, "Not our problem. This is your problem." Two years later the owners are lawyered up and quoting state law that says it is the condo's problem. The condo association now reaches out to the insurer. Remember, this is two years after the condo association knew that its tree roots might be causing damage to others' homes. The insurer responded, "Not our problem. This clause of your insurance contract says you are to immediately notify us when a claim is possible. Two years have passed since you learned of the problem. The insurance company will not cover any claim by the association on this matter."

But there are smaller scenarios where I agree, it's no big deal to see if the neighbor wants to resolve this without involving insurers.

I just don't think an insurance company agent is going to discourage talking casually to a neighbor about the situation, especially if it means the insurance company may have to do nothing more. IOW, it's no big deal to talk to one's insurer first.

No, you cannot take the homeowner to court and win because he is not responsible for the tree falling.

It's my understanding that only in very rare cases is the tree owner responsible for the tree falling and damaging property. In this case, no property was damaged but the tree needs to be removed and that burden falls upon the owner of the land not the owner of the tree. I see this as a very clear cut set of cicumstances that I can weigh in on without seeing a lot of gray area.

This form isn't a legal forum and it's not legal advice, but I'm comfortable speaking in generalities.

I would notify the property owner that their fece fell on your property and give them some time to remove it, otherwise have your maintenance crew pick it up and place it on their sider of the property line.
As far as the fallen tree, I probably is more cheaper to hire a tree service and have the tree removed than to file an insurance claim, especially if their is no property damage associated with the tree falling.
I would even see if someone needs firewood for their fireplace, noting beats free labor for free firewood..