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You on the left or the right?
I hope left.
damn. mother nature is so bad ass, except when she assualts your wallet occasionally. :lol:
Now does your insurance owe the repairs to your neighbor's garage since the tree was from your yard?
When a tree breaks the ridge board, you can usually splice in a new section of ridge board with gussets screwed in on either end. Garages are easy to work on since everything is exposed. You just push everything back in place, replace the broken bits, and shoot everything with a framing gun. That shouldn't be a wildly expensive repair other than possibly having to re-shingle the roof. If it's a fairly new roof, you might get away with just replacing the top few courses.
I have a 5% deductible (value of the structure) for hurricane wind damage. The repair for tree coming down on my house during a named tropical storm would likely come completely out of my pocket. That's much improved from the policy I had 3 years ago where it was 10%.