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coverage, what do I do? I do have renter's insurance, does that help? Also, when I called the town to report the tree, I was asked if it was a curbside tree and when I said Yes, they said they'd send someone to look it over. Is that a good sign that the town probably covers any damage to my auto??

i have a ford focus zts 2002 and it overheats after 30-40 minutes what i have notice is that the fans dont turn on. they only turn when i have the ac on.. i realy dont know bout mechanic but to my knowlege i think is the heat sensor. but i been looking for it but cant find it.. does ne one knows...