Yes, this is what they did. At that time they credited $600 per tree that landed on the house. All were large oaks. My home at the time backed up to a creek and the back yard was sloped towards it. Most of the oaks were blown over with saturated root systems and slowly settled on the house, which was fortunate since between the fence, upper screened porch, swing set and slope of the yard slowing the trees, I did not get any holes in the roof of the main house. Most of my neighbors had multiple holes in their roofs and we put up blue tarps over them. Took a lot of time to cut up those trees.
The insurance companies did not have enough adjusters to send everywhere. Instead they asked for pictures unless the claim damage value was over some threshold. We took pictures of the trees and damage well before ever sending the pictures to the insurance company -- in fact we had fixed some of the damage (except main roof shingle replacement, porch screening, and crushed porch roof) and removed the trees before we ever were able to contact the insurance office (two weeks later (no phone, electric, etc.). It took a week to clear the roads to get anywhere and back in those days you had to get the pictures developed (film).
