Well, this evening, we have been pained with severe winds. Just after sunset, I heard a crash in the back yard and saw a large limb in my neighbor's yard. I had to put some shoes on and as I walked ...
See that's the problem with insurance these days, it's too complicated. The Federal government should regulate all insurance so we can all get full coverage (earthquake, flood, meteor, falling trees, etc...) & probably even save ourselves $2500 per year. :B