On Jul 22, 11:22 pm, Terry wrote:
My mother had a car hit a pine in the front yard and she said that
the insurance paid her for it.

My home owners insurance has a 1k deductible with replacement cost.
Lightning hit a very old very tall pine tree at the edge of my yard a
couple of days ago. The tree was split from at least half way up to
the ground. I am pretty sure it killed the tree and it will have to
be removed. I was wondering how much I could get for the tree and if
homeowners insurance should pay to have it taken down?

We had a house fire a few years ago that also destroyed a pine tree close to
the house. I believe our insurance gave us $500 for the tree and it was up
to us to decide how to spend the $. We spent it to have the tree removed.