Tree Suicide Insurance Claim Update

I talked to an amazingly helpful representative today from the insurance company, and the process is in motion for getting this tree out of here and the deck taken care of. Surprisingly they -don’t- send an inspector to look at the damage. Instead they ask you to send pictures (obviously I had plenty!), get a contractor estimate, and send it in to them for review.

They do not require any sort of licensing or bonding, or even certification on the contractor, which I made very clear to double check, as I plan to have my uncle (who is a contractor anyway) do the work. Since they don’t have any requirements for the contractor, this should be fine.

Hopefully we can get the simple deck that we wanted out of this, and have a better roof over it than that aluminum one from before.

I do have a $1,000 deductible, which is exactly what an emergency fund is for, so I am covered there. They also cover around $500 for hauling of the tree, which my uncle will probably also quote and do. He has a friend who owns a local bluegrass place that has a mulcher that he’ll borrow to take care of all the little limbs.

So I’m not sure when all of this is going to be started, but I’d like to have it sooner than later cause this tree is a bit of a hindrance. Although all of the young strong men stopping by to offer to haul it away certainly isn’t a bad thing 😀