Dear So and So

[tulip]

Dear Homeower's Insurance Company,
So let me get this straight. If the giant tree that snapped but didn't finish falling on my house because it got caught on another branch had indeed fallen and hit my house, you would pay for $10k + to repair my house and take down the tree. But since it's dangling precariously 20-feet above my house, you wont chip in even one dollar to have it removed.

In addition, since the claim has been denied, if it falls before I can get a tree company to take it down--tree companies are near impossible to get in these parts right now BECAUSE THERE WAS THIS HURRICANE that you might have heard about--you won't cover ANY damage because in that case the homeowner (moi) would be considered negligent because said homeowner did not take immediate action to remove the tree.

On top of that, you made this decision from your office in Texas and didn't even bother to send someone out to take a look. That would explain you inane suggestion to "just hire some neighborhood guy with a chainsaw to take it down." IT'S A FRIGGIN TREE HANGING 40 FEET UP IN THE AIR!!! And do you really think that a $2 million payout to the guy's family when he falls and dies or breaks his back is a particularly cost effective way to handle taking down the tree??

Yes, I have contacted the state insurance commission and I will be moving my coverage for both houses and my car once this is resolved.

Sincerely,
Tulip