A large tree from Lunchbox’s yard fell during an ice storm and crashed onto his neighbor’s back fence, completely breaking it. The fence was not shared; it belonged solely to the neighbors, who were out of town and staying at a hotel at the time. Lunchbox sent them a photo of the damage and a message letting them know what had happened.
The neighbors replied that they would send him the cost once they received a repair quote. Lunchbox was surprised by the response, feeling it assumed he would pay for the fence when he had only intended to notify them of the damage. He also felt the reply was cold, noting that it immediately referenced money rather than acknowledging the situation. The conversation turned to whether Lunchbox was responsible for paying for the fence. Lunchbox believed the situation was an “act of God,” caused by ice and weather conditions beyond his control, and therefore felt he should not be responsible. Others pointed out that when a tree falls from someone’s property onto a neighbor’s fence, the owner of the tree is typically responsible, regardless of weather. They referenced a prior situation in which a similar argument had been made when a neighbor’s tree damaged Bobby’s fence.
When asked directly how she would handle the situation, Amy stated that Lunchbox was responsible for the fence and should pay for it. She said that if the roles were reversed, she would expect the neighbor to pay as well. Eddie added that trees had fallen all over town during the storm and suggested offering to split the cost or simply paying for the fence as a neighborly gesture. He also suggested Lunchbox could offer to help financially in some way even though the fence was not his. Lunchbox shared that he could have removed the fallen tree before notifying the neighbors, but did not do so. The group joked about the lack of power preventing any security footage from existing.
The discussion shifted to Lunchbox’s insurance history, noting that he had been denied coverage by over 250 home insurance companies due to numerous prior claims and incidents. Those incidents included a previous tree falling onto his house and creating holes in the roof, tornado damage that tore off shingles and knocked down a fence, a burst water heater that flooded the downstairs, and an animal infestation in his crawlspace that required fumigation and extensive repairs. The house had undergone so many repairs that it was described as essentially rebuilt. Additional claims on his insurance included ongoing issues from a recent car accident, continued pain related to a medical condition, and other health concerns. Lunchbox shared that he had parked his rental car away from trees during the storm, which prevented further damage or claims he may have to make.
The conversation also touched on Lunchbox’s belief that the world was against him, while others pointed out positive aspects of his life, including his job, health, and family. Lunchbox mentioned donating blood, helping animals, and assisting an elderly woman during icy conditions, though he maintained that bad things continue to happen to him. The show concluded with the suggestion that Lunchbox either pay for the fence outright or offer to split the cost with the neighbor. Everyone agreed that filing an insurance claim would be a bad idea, given his history and difficulty obtaining coverage.
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