Dear Barry,
The neighbors who live behind us have three large, but dead, cottonwood trees that border our back fence. A few years ago, our insurance company informed us that they would no longer insure our roof because it has wood shingles. If our neighbors' trees should fall on our roof, who would be responsible for the repair costs? --Leslie
Dear Leslie,
The exclusion of the roof by your insurance company may only involve fire damage or rain leakage. more...
