Of course, the branch fell on the roof to the pull the electrical mast from above the gutters down on to the ground, this ripped the meter and electrical panel slightly off the house. Thankfully, we didn't lose electricity (and no dog) no problems from the wires on the ground for about 36 hours until I sourced several quotes in between $300-$5,000 before I decided to hire a pro that charged just under $1,000.
My rule of thumb is if it costs less than a thousand, be prepared to fix it immediately without flinching if you own a single family home. I keep my deductibles at $5,000 anyway since when you make claims you pay more to insurance over the next five years, so to me its worth just paying out of pocket.
Anyway, here's the only way to go about surprise repairs that come up.
1. Quickly contact enough contractors to get 3 of them scheduled to give a quote in the next 48 hours. Confirm with each a few hours before, they typically do not show up to many appointments that they schedule, even if you are the one paying them.
2. After receiving 3 quotes, you will likely have learned a lot about the problem you're having, come up with your own important questions and ask each contractor about them. If you don't have your own questions, they can use your emotions to scare you into going with their bid, which may not fix your original problem completely, or it may cost you much more than needed.
3. Quickly decide on one and never pay the full amount up front. Don't be afraid to negotiate payment terms, I typically don't have a problem paying 50% or less to start work, but I really like to pay the remaining 50% in two portions: 40% when work is complete, and then another 10% after a few days of ensuring details have not been missed. Once submit full payment, you forfeit your right to receive a response from them via text or email typically. Enjoy!
4. Ask them for an detailed invoice via email so it's clear what exactly they are doing. You cannot trust verbal conversations, and papers invoices may get lost or not be the most helpful if there is ever a dispute. You may need to search your emails for the repair several years later when you sell the house and have a buyer inspecting it, but if they give you a paper invoice, it's doubtful you'll be able to quickly locate that.
Hope this is helpful for new and aspiring homeowners, if you want to connect with me on Instagram, you can find me @handshakin or we can connect on my company website.