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All Homeowners Insurance works that way on trees. Think of it this way, you are insuring your property against the lose. Your neighbor is not. I know it doesn’t make sense, but that is the way it works.
I have been absent with life getting in the way, but all prepped for smoke a butt and some baby back ribs. Will be using my UDS. Will post pictures as I go tomorrow.
Thanks for listening :)
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