How the fuck can getting a tree removed cost this much?

[Cleo]

Yeah it is bring in a bucket and a Bob Cat job.

Here are two more shoots from on my roof. It is really hard to shoot as once I'm on my roof I'm under the tree having to craw through branches.
www.cleoslinks.com/crap/tree/

It went completely through my flat roof in a few places and now that the drywall in my bedroom's ceiling has fallen do to water I can see the limbs of the tree inside of my bedroom where they went through the plywood.

I'm not sure how bad the barrel tile roof is damaged that is one the rest of my house. I did have water come in my living room's ceiling but not a lot, just enough to mess up the popcorn on the ceiling. I've been wanted to replace it with
Clay S Tile anyway so I'm going to get a price on redoing the whole roof. I know my insurance will be paying some of this but at this time I have no idea how much I'm getting.

I actually have Home Owners and Windstorm so I'm not even sure who is paying for what or how much I'm looking at getting. FEMA also has sent me their paperwork since I'm also entitled to disaster relief.

I was planing on remodeling, just doing it about a year earlier then I had planned.