Even if it falls on to your pier or in your mooring area....you can remove the tree before it settles, but you will still need a permit if it fell and stayed there for over 2 weeks.
Ms Henniges also said that our lakes are 'starved' for woody debris that was abundant prior to development. She would prefer to see all fallen trees stay. It is good for the environment.
You can cut off branches that are above water, as long as you do not disturb the lake bottom where the rest of the tree has settled.
I hope this clarifies this commonly misunderstood property management requirement. For additional clarification please call Ms Henniges at 715-365-8961.