I feel so dirty, seriously, had to work on that piece 'o crap ford escort, finally get that thing out of my drive tomorrow.
UPDATE, so the insurance company tells my mom to replace the small items under $150, good, new phones, micro, garage lights. The furnace had a burnt transformer and fried thermo, got all that fixed for around $250 so not too bad. Well, Duke isn't responsible cause it wasn't a power surge, it was a high voltage ground short..... so what the heck is that???

SO insurance is saying that the owner of property is liable for tree which mom finds out it is the farmer 1/2 mile down the road, doubt they even have a clue that it's their property. Also, there is a park next to my parents, mom finds out according to county property lines, the park actually owns a full acre of my parents property, but yet their deed from 1972 states different. Get this...my parents have been paying taxes in an acre of property for 38yrs that according to county... they don't own. And according to the recent tax records, that 1 acre is worth $47K, but parents other 3 acres is worth only a combined $26.5K.... my sister and I are now looking for a good lawyer, this is going to get sticky!!! They lose an acre with no compensation or legal paperwork and they are due some back taxes.

You need a good Lawyer, a Land Surveyor (for a full boundary survey with some intermediate pipes along the property lines) and a Title Insurance Company (for a complete title search on the property). It will cost some money though.