After A Disaster Damage to a home from fallen trees is usually covered. Most policies will pay to have trees removed from structures but not from the yard.
Most policies cover damages to appliances from a power surge when power is restored to a home.
Damages to parked vehicles from fallen trees are covered under most automobile insurance policies. Adjusters are required to properly identify themselves. Adjusters are not allowed to personally buy salvage from claimants. Adjusters are not permitted to accept gratuities. Claimants are not required to use the contractor the insurance company might recommend.