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My neighbor’s tree fell onto my fence during a heavy wind and rain storm. My neighbor’s homeowners policy will reimburse me for the damage.

False. Wind is an act of nature and no one can be liable for that. So, if your neighbor’s tree fell and damaged your property during a storm, your homeowners policy—not your neighbor’s—will trigger a claim to reimburse you for the damages (subject to your deductible, of course).

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