California wild fire recovery
I lost my home in a wildfire like many others. After debris clean up there was many burnt large pine trees on my property that make it unsafe to build or even be on the property . My insurance told me that the debris cleanup which is 10% of the dwelling coverage would not cover the removal of these trees. Even though there's $23,000 of the 10% not being used. Any advice or thoughts that anyone may have on this would be very helpful.I know this is an old post but maybe somebody will read this and be able to give me their advice.
I have spent hundreds of hours cutting trees down and removing them myself in order to restore the property to a condition that it could be built on again. I would like to bill my insurance for my time but they have told me they will not cover the tree removal even though the trees had to be removed to restore the property to a condition that it could be built on and safe.Does anyone know if this is true. Any advice would be greatly appreciated thank you