I replied in "Meetings" but will only add that I wish I lived closer (well for many reasons of course, but especially now). I have saws, ropes, saddles (for climbing trees you guys ) and know how to use them. This is what Baker (my husband) used to do for a living and he taught me. Please be careful Gini and don't stress, this WILL work out OK. Oh, and insurance? When the huge tree fell in my front yard - oak tree over 100 years old and over 100 feet tall - I was advised NOT to get insurance involved if at all possible. I too had a recent claim from a basement flood. That advise came from my insurance agent who also happened to be a friend.