That sucks about all the damage and your neighbor being well you know! Be safe...water damage can be fixed, you falling and getting badly hurt not as much.
Hitting a horse running across the highway with my truck pulling a camper is also an "act of nature" ... my own agent couldn't believe it!Just went through some of this with my Mom's house . No home damage , but a huge hickory came down and half landed in the neighbors yard . I thought we would be responsible , but it's considered an " act of nature " and responsibility starts and stops at the property lines .
I offered to clean it up for him , but he hired someone to do the work .
As far as you having to hire the work done , I just had a heated " debate " over this with my Agent concerning roof replacement . OK , I was heated , he just sat there . He did finally say that they stopped recommending contractors because it makes them responsible .
It's a joke .
Dang . That's the '06 / 07 performer . They should cover that ?
By the way . Stay off the roof . I've been up high and on the edge of disaster many times . I don't do it anymore .
Don't get up there . Hire a roofing contractor and let them temp it in .