Yes, 100% serious. My neighbor has Nationwide and I have State Farm. When I called my insurance they said the same thing, that if my tree fell on his house that he would have to claim it on his insurance. Sounds like a crock to me but it is what it is. Luckily my car was not in the building, and I hadn't wasted my time painting the outside. I have 10 gallons of paint for the outside and 10 gallons of sealer for the roof that I bought about a month ago.