Check with your agent. Allstate in NH paid $10/foot for my tree, which
came to $1000 (a 100' tree). Lightning strikes to "landscape" trees
(which are just about anything on your property) are often covered.

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?