If my neighbors tree fell on my property, by MI law I have to file on my home Ins, can

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I sue for deductible? During storms over the last three years in Michigan my neighbors crappy trees have fallen over on my property and have caused damage. It just happened again for the THIRD time. We have this stupid law where my homeowners insurance has to cover it. I have a $500.00 deductible. I paid it twice in the past but I am JUST LIVID that it has happened again. When I try to talk to her she sics her dog on me (which I have had to call animal control) and has even called the police this time saying I'm harrassing her. Who made this stupid law anyway? Thanks to anyone who can help me with this dilemma. PS it's storming again right now!
 
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