Hello how may I help you? I have questions about my current policy. Sure. I can answer any policy questions you may have. Does my policy cover flood damages? What is your policy number? 23423874863274 Yes. Your policy covers water damage including that from floods. What about tree damages? My tree fell no my neighbor's house. on Yes. That is considered an act of god. That is covered on your policy, I can't get my tree replaced? it's over 100 years old. Sure you can. Just call the tree company to find a comparable tree.