Welp, I guess I'll be finding out just how craptacular these unilateral policy changes actually are as a tree in our backyard crashed in this snowfall. Thankfully there may be little to no damage to the house (but it was really really close to smashing through our bedroom window)...the deck and BBQ may not have been so lucky.
I suspect things will shake out to $1000-3000, but there is potential for it to balloon. Another change noted in my renewal docs was the removal of a clause where certain situations would have zero deductible. I need to dig deeper to see if this might have been one of those situations.
PSA: read those annoying documents carefully!
It's on me for not doing so, but this still feels pretty close to bait+switch (at least since this is only year 3 of our policy). I hope I get good service, because it's going to be a pain in the ass to cancel several TD bank accounts and a credit card if I don't.
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