Tree guy came by today to talk about the removal. $2500 to remove it. The tree guy felt pretty bad the insurance company denied our claim, but he had to bring in a 30 ton crane to hoist the tree out over my other trees and get the tree off the neighbor’s house. That doesn’t come cheap.
The insurance company said my house and property are insured for damage. Acts of God are covered only if said act causes damage to my property. Isn’t the tree my property? To me, the Act of God was the wind, and the wind caused damage to my property (the tree). But apparently the tree is not covered by the policy unless it falls on something of mine and damages it. Any damage to my neighbor’s property is on their insurance.
The half of the tree that fell on my property fell into another tree. I had the tree guy come out all quick because I was afraid of it falling and damaging something. Apparently the smart, but perhaps not proper course of action would have been to let it fall, and smash into my deck. Then the insurance company would have paid for a new deck, and to remove the tree.
Essentially the insurance company was betting the tree wasn’t going to fall and damage something, and I was betting it would by removing it. I didn’t give the insurance company the chance to lose the bet.