Honey, the just tree fell on your new truck...

[garypr1]

Hey guys thanks for the sympathy and encouragement! Now for the even sadder part. My homeowners ins co told me today no go for property damage coverage because they have an exclusion for vehicles. When I bought the truck last month and added it to my auto policy, I put only liability on it. For some reason I didnt add comp If I had done that, that I wouldve had 2500 coverage which wouldve helped. They needed an appraisal for any more value and to add collision because of the age. So every week I think I gotta do this and its 5 wks later and I never get around to the the appraisal (you know how it goes) Big mistake on my part but who woulda thunk your truck could get totaled in front of your house. As they say sh__ happens. #@$#%$@