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  1. R

    Lightning struck trees died. HO's Insurance coverage?

    Here the specific trees would need to be on a ins rider to be covered by a property lose value clause. Just like jewelry and firearms have very low limits under the standard clause.
  2. R

    Lightning struck trees died. HO's Insurance coverage?

    I have never seen an ins company pay for a tree removal alive or dead standing, if it was laying on the house then they may pay. Still standing and it is the owners problem.
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