
Branches touching or rubbing shingles, or resting on the gutter; a trunk within a few feet of the foundation or a corner; a crown that overhangs so much the roof stays damp and mossy; roots surfacing near the footing; the tree filling a bedroom window. Note what you do not see — intact bark, an even full crown, and no cracks or cavities means you have a tree that is close, not a tree that is failing. Distance is not a defect. It is a consequence, and it only matters through three specific mechanisms: something breaking and having a very short fall onto your roof, limbs abrading shingles and holding moisture against the structure, and — far more rarely than the internet implies — roots interacting with a footing. The useful question is never 'how close is it' but 'what part of this tree could fail, and is anything actually wrong with that part.'
Not urgent. Normally a tree trimming job, $250–$1,400 around Indianapolis depending on size and access.
Almost always, and the fix is pruning rather than removal. Clearance pruning that gets limbs off the roof and gutters — with enough separation that a branch loaded with rain or ice still cannot reach the shingles — permanently solves most of these complaints, with a return visit every few years. Removal earns its place when the species is large and structurally poor (silver maple, Callery pear, a dead ash), when the trunk itself carries a defect, or when the entire crown leans over the house with no way to reduce it. 'It's close' is not by itself a removal justification, and you should push back if that is the only reason offered.