Many acts of God are covered by policies. That is why you buy insurance.
On the other hand, damaged caused by wars..... acts of humans, may not be
covered.


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

Read your policy. Lightning hitting a tree would probably be
considered an act of god.

R