You can't fix stupid. But, apparently we can all chip in (via our premiums) and pay for it? Nice...

True story: A local Hobie sailor called his insurance company and asked them to pay for him to cut down an old tree, on the idea that it was overgrown, leaning towards the boat and house, and of unknown structural condition. Of course, they declined.

He then asked what would happen if the tree fell in a storm. They would pay not only to remove the tree, but also to fix or replace anything it hit.

How does any of that make sense?

Mike