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During one extraordinary week in August 2015, the sounds that dominated our town were the whirr of winds and the ugly crack of trees, followed by the buzz of chainsaws, the hum of generators, and the cheering and car honking as Consumers Power trucks and linemen rolled into town like a liberating army.

Townspeople are ebullient as they embark on an unfathomable cleanup task. Landowners with five, 10, 20 or more trees to remove are looking at a cost of thousands of dollars; in many cases, tens of thousands. Most insurance companies cover only a small portion — if any — of tree and brush removal that is not threatening insured structures or blocking roads.