I have been contacted by the insurance agent and she is killing me with pricing everything seperate. How much to get tree off fence , how much to clean up brush, how much to trim damaged tree , how much cut damaged tree down, how much to clean up damaged tree if cut down, how much to clean up brush on other side of fence , how much to RAKE on other side of fence...
The insurance company is making you chop it all up so that they can pay their customer less. They are going to only pay for certain parts of the job, and then stick it their customer.
You should expect that they will probably only pay for removing the broken components that are on valuable property (probably not the neighbor's, either), perhaps the insureds lawn, possibly only cutting down the tree safely. Hence the separate price to remove from the fence. It all depends on how the fine print is worded in the homeowners insurance policy, and how their adjusters can get away with interpreting the fine print.
Several times I have done work for insurance bids; they were always carefully worded as to how much was hazardous removal, how much was cleanup, etc. Typically, they decline to pay for removal and disposal.
One time, they only paid us to remove the tree from on top the house. onto the house from the neighbor's property, yet we were prohibited from throwing the wood back on to the neighbors abandoned lot. They did not pay for the disposal, either. Needless to say, the bulk of our bid was for removing the uprooted, leaning tree from on top the house.
They don't want to tell you why they are breaking it down into pieces, nor what parts they are going to decline, because they know you will bump up estimate for the covered components to minimize the homeowners personal expense on the job.