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I live in far western North Carolina. The remnants of Ida brought us about 6 inches of rain over 30 hours. At midnight, the biggest tree on my five acres came down on my house. No outside lights here on the mountain, but using a flashlight, it looks pretty bad. Just contacted the insurance company. Daylight will reveal all.

Been trying for over a month to get the local tree guy to take down that one tree. I love it up here, but the fucking hillbillies are pretty damn useless for getting anything done.

/rant over

I live in far western North Carolina. The remnants of Ida brought us about 6 inches of rain over 30 hours. At midnight, the biggest tree on my five acres came down on my house. No outside lights here on the mountain, but using a flashlight, it looks pretty bad. Just contacted the insurance company. Daylight will reveal all. Been trying for over a month to get the local tree guy to take down that one tree. I love it up here, but the fucking hillbillies are pretty damn useless for getting anything done. /rant over

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[–] • 5 pts

I do project managing and estimating. I have spent the last year cleaning up after an inland hurricane. My biggest piece of advice is seal up your house temporarily, because the first quote the insurance company gives is a fucking joke. They gave me $13k to begin with, I did an estimate on my house and come up with $80k. They eventually met my number. It is on you to secure your property however. Also, you'll get fucked on the cost of the tree removal. Take 1000 pictures and videos, then wait until your initial estimate and clean up the tree yourself. Just keep in mind, the insurance company has to meet LKQ which means like, kind and quality. Also, they will want to replace any shingles that are damaged, and just those. Keep in mind, when you replace 1 shingle, you will need to take off the surrounding shingles to do it properly. You'll also want to inspect the substrate where the tree hit for damage and cracked trusses/rafters - depending on the age of your home. Feel free to send me a PM if you have any questions.

[–] [deleted] • 0 pt

Great suggestions! The voice of experience is mighty welcome.

My delinquent tree guy came over when h got the news. He took care of it at no cost to me; billing insurance. Sweet! The roof is about 4 years old and metal we had put over the older shingle roof. Was not punctured ,but 4 metal panels will need to be replaced due to scratches and dents.

All my life, I sued insurance companies for auto collisions and scored big every time. Now, I just want to break even. Must be dementia in my old age.