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A buddy of mine had a tree come down during one of the strong storms this summer in CT. It impacted a retaining wall holding up the turnaround in his driveway and the insurance company (well respected) told him the policy only covers removing the part of the tree that impacted the structure. Still a costly removal job that you would be able to get some insurance compensation for. Might be worth calling them to let them know what you are willing to do and how much you think it would cost you. Opportunity cost is a real thing!
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