I don’t think this is going to work out well for us

I explained that there’s no way we can cover the cost upfront and that’s why the tree is still laying against our house. We’re probably looking at somewhere around $1,000 – $1,500 for cleanup and removal. I’m working on getting quotes for that this week.

I have to figure that out ASAP. It’s a whole lot of tree and it’s going to take a lot of work. That often times means very expensive.

One way or another, we’ll get that figured out.

What truly concerns me is that the part of the tree that still remains is enormous and compromised. I’m worried that it may be compromised enough that it needs to come down. There are very obvious safety concerns.

I was originally told, if the tree needs to come down, it would be covered by insurance. Apparently it’s not and I was misinformed.

Here’s the real kick in the nuts. If the tree is deemed a hazard and something happens as a result of the tree at any time going forward, it won’t be covered by insurance. It’s even possible that our policy could be impacted if the tree needs to come down and we can’t afford to have it removed.

My parents used to have a trampoline in their backyard. Insurance somehow found out and they essentially said if the trampoline stays, their homeowners policy will be dropped.

This could be a problem. I have to have an arborist come out and inspect the tree. That’s not covered either.

I’m supposed to get an estimate from the adjuster and as soon as I do, I’ll know better where we stand. It won’t be 100% until he can inspect the roof damage but it will reflect anger we stand at the mime.

I’m nervous about this because the deductible is so high, we may just be screwed. 😔

Rob Gorski

Full time, work from home single Dad to my 3 amazing boys. Oh...and creator fo this blog. :-)
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I wonder if there is anyone in your area who wants wood to burn in their wood stove, and would be happy to come over and cut up the tree. Probably one person couldn’t get it all. But there are people out here, including my husband, who cut wood to burn and are on the lookout for free wood to cut.

Anyway, my 2 cents to try to help. It may not help or be possible but thought I’d put it out there.

One last thing: since there has been a discrepancy between what 2 people said about your coverage, might be worthwhile to get a third opinion.

Suzanne Olsen

Take the scammer to court

Cindy Jones

Hey Rob. I looked at the pictures again of the damage to your house and the tree (wow…not good!!) It looks like the tree is on the other side of your fence. Would that not be the responsibility of the city?? Also, it looks like a power or phone line or something running behind the tree branches. Where I live if the tree is impeding with utility lines then the city will come cut back the branches etc on their dime. Just a thought, maybe something to look into??


My husband always says if you want to find out what your insurance covers have a storm. A year ago… https://t.co/ufcR66IHNa