Doug Miller writes:

Dan Espen wrote in :

"Jan Taylor" writes:

Hello everyone. My husband used to post here, before he passed several
years ago. I used to enjoy reading this forum along side of him in the
evenings.

I have a "what would you do" question.

My neighbor has large trees, which overhang our property. During this past
wind storm, several large limbs ended up on my property. I asked him if he
could remove them, so I could cut the lawn. He called me every name in the
book, and told me it's my problem.

I suppose I could hire someone to remove them, but only having a fixed
income, and Arty didn't have life insurance, sure puts a bind on things
around here. I'd move them myself, but at 73, I'm afraid I don't have the
strength to, as it already takes me several days to cut the grass on a city
lot.

What would you do?

Your homeowners insurance covers it.
They'll pay to bring professionals on-site and remove the branches correctly.

Bad advice. Yes, the insurance will [probably] cover it, but there's almost certainly a
deductible. Unless the deductible is low *and* the cost of removal is high, the homeowner
will wind up paying for all, or nearly all, the cost anyway -- and then she has a claim on her
insurance.

Okay, what's the problem with putting a claim in?
I did last year after the October Snows here in the North East.
Part of it included branch removal.

I haven't encountered the downside yet.

Yes, I had a high deductible. I set the deductible to what I can
afford, like I suppose most people do.

I say, use the insurance, that's what it's there for.

--
Dan Espen