The tree has broken tiles and guttering, but Ms Swan and Ms McFaul are unsure if there's any more significant damage.
Mr Bonell, 43, saw the tree come down about 11pm - the second to fall in the Richmond street last night - after shifting his car, afraid it would be crushed.
He said residents had been petitioning Christchurch City Council for years to get the elms trimmed right back, or even removed.
They were old, and diseased, he said.
"As nice as they are, life should come before beauty," Mr Bonell said.
Last night's storm, where gusts reached 130km/h in the city, was "shocking", he said, scaring his partner.
He's now worried that other trees might be damaged causing a real safety risk.
"This street is a deathtrap."
When a contractor asked Ms Swann if she had any kids and she said no, the contractor replied, "That's a pity, you've got a treehouse."
Ms Swann laughed, and that's how most resilient Cantabrians will be dealing with their latest spat with Mother Nature this morning.
As she says, what else can they do?