That is the question.

” Billy, a tree fell on my property. Is it covered?

“Well that depends, did it hit anything? A structure or your house?

Yes

Ok, now the real question is, how much will it cost to remove the tree and fix any damage? See you have a $1000 deductible so lets get an estimate before starting a claim…”

A very typical conversation had about once a month. True story; came home yesterday to find a large limb on my deck and a table. Now what? I get out the lopper and the saws and clean it up. I’ll probably repurpose most of it and compost the rest.