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re: Advice: Downed tree on my fence

Posted on 6/30/19 at 11:07 am to
Posted by puse01
Member since Sep 2011
3743 posts
Posted on 6/30/19 at 11:07 am to
(no message)
This post was edited on 11/16/21 at 10:15 am
Posted by Spankum
The Sip
Member since Jan 2007
63278 posts
Posted on 6/30/19 at 11:08 am to
No, the cost to the cleanup is not fully covered either.
Posted by real turf fan
East Tennessee
Member since Dec 2016
12200 posts
Posted on 6/30/19 at 11:13 am to
IS the tree done for? Not knowing that part of the world, and on the off chance that that tree is a value added to his lot, I'd contact a certified arborist for his advice. If the limbs were cut back,would the tree live. The main trunk may be healthy and there are roots there to support a large leafy number of branches. Your back yard is going to be pretty bare without it.
Posted by TheFonz
Somewhere in Louisiana
Member since Jul 2016
23541 posts
Posted on 6/30/19 at 11:16 am to
It looks like that evil tree in Poltergeist.
Posted by Chuker
St George, Louisiana
Member since Nov 2015
7544 posts
Posted on 6/30/19 at 11:17 am to
quote:

tree service after high school. Those guys make MONEY.



My uncle had one of the best run small time tree services in east TX for 25 years. He has retired OK but not well of by any means and has been frugal.

Equipment breakdowns almost everyday.
Typical low-wage employees failing to come into work or coming in hung over.
Insurance is high as giraffe arse.

He is one of the hardest workers I know of both physically and business. None of my 3 male cousins wanted anything to do with taking over their father's well established business. That should tell you something.
Posted by CaptainsWafer
TD Platinum Member
Member since Feb 2006
59443 posts
Posted on 6/30/19 at 11:19 am to
Insurance will pay to remove the tree off of the fence and some for haul off, but may not pay to remove the rest of the actual tree.
Posted by eScott
Member since Oct 2008
11376 posts
Posted on 6/30/19 at 11:19 am to
I doubt your insurance pays to have the tree cut down. They'll just cover the damage caused by the limb.
Posted by Jaydeaux
Covington
Member since May 2005
19680 posts
Posted on 6/30/19 at 11:31 am to
I’d cut it up myself after the power company did their thing. But I’m not a pussy
Posted by Yewkindewit
Near Birmingham, Alabama
Member since Apr 2012
22016 posts
Posted on 6/30/19 at 11:33 am to
Get the tree removed. Insurance policies now seem to cover only after you pay up to a %age of the value of your house for the tree removal. Chances are this will all Be out of pocket for you.

As a second thought, I’d tackle that as a home project. Ask a knowledgeable friend to help out by making sure you know the pressure points. Seems doable as a DIY.
Posted by ItzMe1972
Member since Dec 2013
12886 posts
Posted on 6/30/19 at 11:43 am to
What kind of tree is that?

~Have utility remove all that they are willing.

~As previous poster said, call your county agent or arborist and see if the rest is healthy. I had a similar situation two months ago and the utility took the tree down, just left the stump. But I lost shade and my AC runs constantly.

So, consider saving the tree is healthy. And that will save you $.
Posted by Bigfishchoupique
Member since Jul 2017
9664 posts
Posted on 6/30/19 at 11:43 am to
I don’t know your level of expertise. You should check out Chainsaw Fails on Youtube. That horizontal piece connected to the trunk will kill you in a second if you are in the wrong position when you cut it.
This post was edited on 6/30/19 at 11:50 am
Posted by DeCat ODahouse
Premium Member
Member since Jan 2017
1708 posts
Posted on 6/30/19 at 11:49 am to
Need to post pics of wife for OT to make informed decision.
Posted by Northwestern tiger
Long Island NY
Member since Oct 2005
23750 posts
Posted on 6/30/19 at 11:51 am to
quote:

What kind of tree is that?


Maple tree, at least 100+ years old. Biggest tree in my neighborhood. 70+ ft long
Posted by wickowick
Head of Island
Member since Dec 2006
46420 posts
Posted on 6/30/19 at 11:53 am to
The policy owes a reasonable amount to removed the tree branch from the covered structure and then tree debris removal (there is a cap, typically of $500) plus the fence repair.

How much is your deductible? I bet it is not worth having the claim on your insurance for minimum damage.

ETA: insurance will not pay to remove the standing tree
This post was edited on 6/30/19 at 11:55 am
Posted by Northwestern tiger
Long Island NY
Member since Oct 2005
23750 posts
Posted on 6/30/19 at 11:55 am to
quote:

The policy owes a reasonable amount to removed the tree branch from the covered structure and then tree debris removal (there is a cap, typically of $500) plus the fence repair.

How much is your deductible? I bet it is not worth having the claim on your insurance for minimum damage.



Checked the policy and it's $1000 deductible.
I already filed a claim, but like you said earlier, it might not be worth. At least i want to get an estimate for fence repair and cleanup repair before going the insurance route.
Posted by ItTakesAThief
Scottsdale, Arizona
Member since Dec 2009
10870 posts
Posted on 6/30/19 at 12:05 pm to
Depends on your insurance deductible.

HO policies don’t have a lot of coverage available for tree debris removal.
Posted by Geauxtiga
No man's land
Member since Jan 2008
34401 posts
Posted on 6/30/19 at 12:52 pm to
quote:

Wierd tree...forked/split very low.
Agree. I would cut that mfer down, no question.
Posted by lsuwontonwrap
Member since Aug 2012
34147 posts
Posted on 6/30/19 at 1:08 pm to
Sorry about your termites
Posted by Tempratt
Member since Oct 2013
15307 posts
Posted on 6/30/19 at 1:48 pm to
Is the tree dead? It must be close to century old.
Posted by ScaryClown
Member since Nov 2016
5847 posts
Posted on 6/30/19 at 2:15 pm to
Looks like a kracken
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