State Farm Fire Independent Policy Practice Exam

When a windstorm damages a roof through a fallen tree, which of the following expenses would typically not be covered?

1. $150.00 to remove the limb from the roof

2. $500.00 to replace the tree

3. $400.00 to cut the tree up and haul it to the municipal landfill

4. $500.00 to repair the roof

The correct answer is: $500.00 to replace the tree

In the context of a windstorm causing damage to a roof through a fallen tree, the typical homeowners insurance policies, including those from State Farm, generally cover the direct costs associated with repairing the damage caused to the property itself. This includes expenses related to repairing the roof and removing debris from the residential structure. In this scenario, the cost to replace the tree would not be covered because insurance policies typically do not extend to covering the cost of landscaping or replacing trees unless specifically stated otherwise. The primary focus of coverage in this situation is on the damage to the home rather than tree maintenance or replacement. The other expenses, such as removing the limb from the roof, cutting up the tree, and repairing the roof, are all directly related to mitigating the damage to the property and restoring the home, thus making them eligible for coverage under standard homeowners insurance policies.