You make it sound so simple-- "Hello, insurance company? Could you take care of this tree that just punctured my roof? Well, yeah, the part that's not affected by our deductibles and your exclusions..."Cute Fuzzy Bunny said:If a tree falls on a house, you've got homeowners insurance. Except for untended trees, its also pretty unlikely that ones just gonna up and fall or drop a major branch with no warning.
The first thing I'd do if I needed to make a claim would be to hire my own personal adjuster. How much better it'd be to avoid the need to deal with the insurance company in the first place.
I agree that it's a problem to move into a forest primeval and attempt to turn it into a soccer field. They were there first.DangerMouse said:This is one of my pet hates. I can't understand the So. California obsession of trimming their trims within a inch of their life every year.
But I object to those who plant without planning. Speaking as a homeowner who took over from a landscaping idiot and who's lived in three different locations over the last 20 years, homeowners plant too much of the wrong kind of plant and put it too close to the house. While Grandpa may have put that tree in your yard, he probably didn't intend for it to take over the entire lot and send its roots through your foundation and your plumbing. He just thought it looked nice and would give the kids a great place to hang a swing. Three generations later it turns into a monster that's eating everything in its way.
We rented a home that had two silver maples planted by the house. One was six feet from the diningroom and was able to attack it from both the foundation and the roof. The other was 10 feet from the front door, too far for the roof, but it did a number on the sprinkler piping. Both put all their roots on the yard's surface and ruined the sidewalk as well as the lawn. (We haven't even gotten to the raking part yet.) We took them both down in favor of podocarpis & shrubbery.
A couple decades ago the city planted pink tecomas in Oahu's Waipio Gentry neighborhood. For those of you who don't know the tree, the roots will push through schools and it drops a humongous shower of brightly-colored, sappy blossoms that attract bugs (and eat through car finishes). They were planted in the two-foot strip of grass between the road and the sidewalk. The one outside our bedroom window attracted a nightly flock of over 100 birds that turned it into a shower of bird droppings. When it started lifting the sidewalk blocks we went after the city (pedestrian liability) and their "repair" dumped concrete & excavations into our front yard for six weeks while they cut back the roots, installed a "bio barrier", and poured a new sidewalk/curb. Two years later the tree broke loose and started over.
It took me two more years of persistent nagging to get that tree cut down. The city insisted on planting a new tree which, of course, I neglected to water until it died too. Then we went ahead with the ground cover & shrubbery.
I'm pruning two mango, two tangerines, a macadamia, a mock orange (WTF?!?), a lychee, a banana patch, a star fruit tree, a couple guava, 100 feet of 10-foot tall bougainvillea hedge, and a dozen palm trees (with big seed bundles). Most of the fruit is yummy but when the green waste truck pulls up every two weeks we give it the contents of 4-8 65-gallon cans. I'm only 46 years old but the juvenile novelty of scampering up into trees to play with sharp objects is beginning to wear a little thin and I'm not gonna do this when I'm 60. Each one of these mango has one more good prune in it before I make a huge donation to UH's woodworking school. The rest of the yard is going xeriscaping so that we don't have to water and so that everything won't grow so much.