My business insurance was a wonderful thing. I had a frivolous lawsuit against me. Told the insurance company it was without merit, tell them to go pound sand. Instead, despite me being the principal named in the lawsuit, my insurance gave a "token payment" with me objecting all the time then raised my rates because I had a loss!
Another time, another business, three brand new tires and the rims were stolen off of a one ton truck in my fenced and locked yard at my mechanic shop. The insurance asked me if the keys were in the truck despite the fact that the spare tire and outside duals were outside the truck! I told them I didn't notice, the engine wasn't in the truck at the time, then confirmed the keys were hanging on my office wall. They verified my lot was fenced and the gate locked and proclaimed me not to be liable. I told them that it was a good customer and I would have to pay. I also told them that I was filing suit for all insurance payments I had made in the past when my insurance wasn't valid, removing my fence, and leaving the keys in all vehicles so my insurance would be valid in the future! There were a few more phone calls and the insurance sent me a check for the full loss.
Strikes me I could write a book about my dealings with insurance companies over the years if I could keep it funny. Took me awhile to figure out what one claims agent was doing, thought it was a strange affliction. The guy was a foot shorter than me and trying to tilt his head far enough back to literally look down his nose at me. I had heard the expression, first time I can recall somebody trying to do it. He would have drowned had it rained!
About trees, a contractor for a power company came wanting permission to trim a long dead tree in my parking lot of a business I had recently bought. "Sure, trim it flush to the ground."
"We can't do that."
"You can't trim it then, some people would think I was the moron that trimmed a dead tree!"
They eventually saw the merit of my argument, cut it low enough to park over the stump. It wasn't a big tree anyway, twelve or fourteen inches.
Hu