A neighbor lady called Gary McDevitt at work one day last year to let him know a car was in his tree. The driver escaped with a few bruises; the 25-year-old Japanese maple in McDevitt’s front lawn in Hillsborough didn’t fare as well. The 20-foot-tall tree had to come down. Yet when McDevitt talked to the driver’s insurance agent about recompense for removing the tree and planting a new one, the agent balked.
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