Storm came through and knocked down two trees in my mother's yard. One (tree A) fell onto her fence, one (tree B) fell harmlessly onto her lawn.
Insurance paid for:
- fence repair
- removal of tree A
Insurance did not pay for
- Anything whatsoever to do with tree B
Now I am being told that her insurance carrier is threatening to cancel her policy due to the fact that there is "debris" in the yard from tree B.
Additionally, she told me that the state insurance regulation office (Florida) has told her that this is totally within their right to do so.
This makes no sense to me. Am I insane, or is this a common practice?
Possibly worthy of note: She has had this insurance (had this home) for over five years, and this is the first claim ever on the policy.