30 TON TREE CRUSHED HOME AND CRACKED FOUNDATION
So we recently had a massive healthy white oak tree uproot from a rain/wind storm in the area. Beautiful tree, approx 30 tons, 70’ tall with a 36” diameter trunk. It karate chopped my 2 car garage in half and also landed on my car. The garage is attached to the home. It we are in the process of getting it removed by professionals. Insurance said to give them a call after tree is removed and she’ll come out and take a look, along with a structural engineer/adjuster. We just looked in our basement and noticed several new hair pin cracks in the foundation as well as a pretty massive crack in the center block wall that runs down the middle on the home (no basement under the garage). Should I hire my own structural engineer or someone to come out when the insurance structural engineer comes to do the adjustment? Are insurance companies pretty honest about this kind of thing or do they just try to slap lipstick on it? At what point is it deemed a loss and we have to tear down and rebuild?