It may be easier for you to put in a claim with your insurance company. They
in turn will try to get the money from the owner of the tree or the owner's
insurance. Your insurance company can be a whole lot more effective than
you as an individual is.

Charlie

"3rd eye" wrote in message
...
I've got a neighbor whose tree branches fell on my garage busting up
the gutter & who knows what else.
Until the branches are removed I can't asses the damage
This occured after a heavy snow.

She's telling me her insurance won't cover it.

Does this sound right?