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ENGLEWOOD, Colo. — Drive up to Englewood resident Lucy Lindsey’s home and the problem will be staring you right in the face.

A four-story 60-year-old elm tree laying on it’s side, uprooted and resting on Lindsey’s home. It was around 11 a.m. Wednesday when 77- year-old grandmother of two heard a giant crack and thump, “Also breaking, not glass per se, I don’t know, it broke the window back here but the ceiling came down,” she said.

The mighty elm wasn’t mighty enough to withstand the sustained 50 mph winds and one day later, Lindsey reflected, “To see this kind of thing happen … it takes the wind out,” she said as she gently tapped her heart.

For safety and health reasons, the Englewood Fire Department shut off power to the home and denied access to the kitchen due to exposed asbestos insulation.

Lindsey does not have a front door key, so first things first, FOX31 Problem Solvers called in a locksmith to access the front part of her home, and replace the front door locks.

Thursday, however, Lindsey discovered a problem bigger than the fallen tree in her yard. “I just found out this morning that I do not have insurance on my house.”

After paying off her mortgage last year, she assumed she still had homeowner’s insurance. Right now, Lindsey has no way to pay for the tree removal or house repairs.

As she took stock in the damage, Lucy Lindsey said she will take life “…One day at a time. Good Lord will take care of us, so that’s the best we can do.”

Not if FOX31 Problem Solvers have any say. More to come.