We Have Home Insurance, Don't Worry

I just finished staining my deck, a storm was brewing. I got everything put away and sat in my recliner. The wind picked up and we heard a crash in the backyard. “What the hell was that?” My husband and I looked out in the backyard and a tree had fallen on our newly stained deck and enclosed patio. I decided right there, that it was a good time to cry. My husband says to me, “We have home insurance, don’t worry.” “But….” “I’ll go call our insurance agent.” He doesn’t know what to do when I cry.