Agent: "Call a tree guy and get an estimate. Here's a name."
Called that tree guy - took a day to call me back just to say he doesn't do that anymore. Called the tree guy he recommended. He doesn't call me back. Finally I google'd somebody. He gets right over the next morning.
Me: "Called the tree guy. Here's the estimate. What's covered?"
Agent: "Blah, blah, blah. Some about a tornado ten years ago . . . blah, blah, blah -"
Me: "No, I just need to know what's covered?"
Agent: "Blah, blah, blabbidy blah. Something about the great ice storm of '96. More blah."
Me: "Soooo, is this covered?"
Agent: "Well, yes and no. We'll have to get an 'approved' guy out there to look at it and give an estimate."
Me: "Another guy? You couldn't have told me that guy in the first place?"
Agent: "Blah, blah, blah."
Me: "Ugh, ok. Fine."
Approved Guy: "Yup, that's a tree . . . . and it is definitely on your house."
Approved Guy: "Hard to say . . . . I'll have to get my tree guy out here . . . "
Me: "Get out."
Needless to say it's Friday now, and I'm just a prayin my luck holds out and strong breeze doesn't come along this weekend and send this tree through my living room. I think I have 'em figured out - stall and annoy until I give up and just do it myself. O, tricky, tricky insurance companies - I'm on to you!