Belleville, MI
New Years Eve day morning, I hear a THUD while I'm getting dressed. Wife knocks on the door and says "Did you hear that??" So I hurry up and open the door to see whats going on and see this. Neighbor kitty-corner to us who I've never met. Damaged the fence, sheared half the branches off our tree, crushed some vintage wrought iron patio furniture like it was plastic. Hit the gutter, tore the screen door, broke a little siding. If it had been 5 feet taller it woulda been in our dining room. Nobody hurt, thank goodness.
Crappy part is, our deductible is $1000.00 and it's considered an act of God, neighbor isn't responsible even though it's his tree. He came over afterwards and told me he had thought of getting them cut down and was going to ask the neighbors if they'd split the cost with him (new homeowner, doesn't know that would be his responsibility/cost). I guess if we could prove he'd KNOWN they were rotted/dangerous and therefore negligent in getting them cut down there might be some recompense, but that's hard to prove, and who wants to be that kinda neighbor. As it is, he isn't even filing a claim with his insurance.
What a jacked up system. We're minding our own business and now out a thousand dollars.
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