Mrs Martin believes it’s only a matter of time before someone is hurt.

She has been in a three-year dispute with Shoalhaven City Council about the tree in question.

Initially in 2016, council committed to chopping it down.

“(It) presents an unacceptable risk, and removal of the tree is warranted,” a council letter to Mrs Martin said.

Tree loppers came out to Callala Bay, but did not chop down the correct tree according to Mrs Martin.

Since then, she has been told the tree has “a low potential to be hazardous,” and that she can employ an arborist to cut it down at her own expense.

“Something should be done, but not at my expense,” Mrs Martin said.

“It’s on council land.

“Lots of people use the street as a walkway to the creek.

“Is it going to take an accident for action to be taken?”

Council pruned the tree recently, but Mrs Martin does not think it was pruned extensively enough.

“They took one branch and left dead branches,” she said.

“Why wouldn’t you take the rest of them?”

A council spokeswoman referred to council’s tree policy.

“Council has a Tree Management Policy in place to guide the removal of trees from public land,” she said.

“Road side vegetation is a feature throughout the Shoalhaven and Council only removes or prunes trees that are assessed by a qualified arborist as being high risk to cause damage.

“Council does not have the resources to remove trees that are considered to be in good condition.”