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Insured but company says this type of event is not covered in policy
about £400 for removal of tree
I have received email to say you have replied - there is no reply content
Its bad news then I am sorry to say.
If the tree is in your garden which it is you are liable for the tree.
Because it has fallen on the fence then you are responsible for removing the tree and putting the fence back in order.
You are responsible for that as the event occurred from something you owned on your land.
The same with putting the garden back - but of course you are mainly liable for the fence and tree.
Imagine if this was your property and someone else's tree had damaged your property - you would want them to fix it
Sadly the same applies here
I am sorry if this is not the answer you want and is certainly not the one I want to give you but I have a duty to be honest
They can insist the tree is removed.
Can I clarify anything for you about this today please?