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Generally, a homeowner can expect her homeowners insurance to cover her in the event that a tree falls on her fence. Many policies cover at least a portion of the expense to remove the tree as well as to replace the fence. Coverage can vary greatly from one insurance policy to another, however, so check the specifics of your policy.
Source:
Federal Citizen Information Center: Common Questions Asked by Homeowners About Insurance
United Services Automobile Association: Winter Storm Questions & Answers
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