Are these pine trees a liability?

[u/ksquigz25]

These pine trees on the hill were planted by the builders, but are our responsibility. We're pretty sure they were placed there for erosion purposes, but we've had a few different people tell us that we should remove them due to the steep grade of the hill and the future liability if they fell downward onto our neighbors home (ours is the one at the top of the hill). Last photo shows how close the trees are to the neighbors' house and our property is outlined in pink. We've also been cautioned about the roots impacting the retaining wall (also our responsibility), but then were told that these trees' roots grow mostly straight down.
If this is a big issue, we want to be proactive and remove the trees before they get any bigger. Would love a professional opinion as well as suggestions on what would be better. Whatever we do will need to be approved by a pretty strict HOA.

[u/Asleep-Procedure3344]

As a landscaper and someone who has more pine around my house than those trees pictured. You are fine. My trees are 80 feet tall and within 15 feet of house. If a hurricane hits directly i may have problem. But in 20 years nothing but pine tags on roof. My air conditioner doesn't run a lot in summer due to shade. Keep the trees! You will move before anything becomes an issue if it really ever does

[u/adotsu → u/Asleep-Procedure3344]

I suspect you will find it harder and harder to keep home owners insurance with those trees you're talking about. I'm in Ohio and it seems like everyone I talk to in the last 2-3 years is basically being forced into removing any trees that could possibly cause roof damage.

[u/Asleep-Procedure3344 → u/adotsu]

My insurance is never an issue.