Lightning is an "act of god" and unless it damaged your house by falling on
it, you may not be covered



"Terry" wrote in message
oups.com...
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?