2 weeks ago they went camping for the weekend. When they got home, there was a note on the door. It was from their neighbor directly behind them. A big tree fell from their neighbors yard and took out my friend's fence front and back, the pigeon coop my friend's kids had thier birds in, and my friend's boat that they had in the backyard. Luckily, the tree had barely missed their house and ended up only crushing the gutter on the one side of the house. They got the guy's homeowners insurance info and they thought that was that. They got a call back and the insurance company said that it was an "Act if God" and they had to pay for all damage themselves!! The boat was very expensive and it is totalled! The insurance company absolved the neighbor so he doesn't have to help at all, my friend can't even sue! It totally sucks! They even went to a lawyer and he said there is nothing they can do!