Dave - You pay higher rates for holiday lighting? My insurance added it onto my policy for no additional charge, but I do already have coverage for going onto roofs up to 40 feet for lighting and into trees up to 50 feet, so maybe they assume there isn't to much more risk??
Why do people not respect us as they do other tradesmen? Because every Tom, Dick, and Harry doesn't think he can be a plumber or electrician!