trees...trees....trees

Two dead trees behind my fence that belong to a condo association. I sent them a letter two weeks ago stating that the trees represented a danger to my property. Need I say more. One fell last week and took out five chain link sections including posts and destroyed a panel in a picked fence. An aopple tree and sereral smaller trees and plants are gone. The second tree fell and is being held up by a section of chain link. It has a 30' foot section hanging over my garden.

My insurance company says that their responsibility is to cut the tree but not remove it. Fine. But exactly what do they mean? Cut to make repairs? Assess damage? Their adjustor will be down Monday. I will also get estimates on repair of fence and tree removal. I have a $500 deductable.

I also hand delivered a letter to the cono association stating current conditions and danger and have not heard from them. My insurance agent says it would be in their best interests to contact you and pay for all work rather than even filing a claim.

I have a bad feeling about all of this. In the past I've had to fight insurance companies over even minor auto issues. The condo association appears in a hear no evil see no evil mode.

This is in Massachusetts. Any suggestions? Any experiences?