Nailor Tree Service

   According to Donnie Nailor's ad in the Yellow Pages he was insured. He gave me a quote of $3200 to remove one of the three multiple trunks of a large oak tree whick had fallen across the  roof of our home during one of the  tornadoes of April 27. He said he would tarp the roof where the shingles were torn off.   I told him I would have to turn in the quote to my insurance company, but he said "Oh, I deal with ALFA all the time. I will take the quote by their office, get it approved and I'll be here in the morning to take down the limb."  The next morning we awoke to sounds of work being done upon the roof.  Later we heard a horrible crashing sound.  When lifting the trunk, the end, which was still attached to the tree, broke loose and came crashing through the brick wall of our home and into our bedroom.  Then the bad news began.  He had not taken the quote to ALFA.  He thought his wife had done this.  ALFA said no quote was submitted.  He first keep insisting he was insured, but didn't want to file a claim as it would make his premiums soar.  He left that day without putting a tarp where needed.  My husband had to get on the roof to cover the bare areas.  Also Mr. Nailor ran over a large forsythia when backing out of the yard.  After several conversations over more than a week, he admitted that his insurance had lapsed 6 months earlier.  Also, I talked to another tree service who said that when a limb is attached to a tree and laying on the roof that they always secure the limb to the tree with a chain. Mr. Nailor neglected to do this.   Plus other people who had to use tree services because of the tornado told me that $500 was the going price for a job such as mine.  After much  wrangling Mr Nailor agreed to bring me a check for $6500.  When he came he had conveniently only brought one check, made out of $6000.  I accepted only after making him sign a statement that he would bring the other $500 by Friday at the latest.  He never brought it and it was so stressful to deal with him I haven't tried to collect it.  I took the $6,000 because I was afraid it would be my only chance to get anything from Mr. Nailor as he mentioned having recently gone through bankruptcy.     My home will never be the same, having been built in 1966 there is no way to ever match the brick.  To rebrick the whole house would cost approximately $40,000 plus the cost of repairing the bedroom.