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Windstorm vs. Falling Object

During a windstorm, a tree branch breaks off a tree and damages the roof, chimney, and interior walls of a house. The insurer claims the damage is caused by wind. The agent believes the damage is caused by the tree branch as a falling object. At stake is a large percentage windstorm deductible. Who's right?

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Alexandria VA 22314
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fax: 703.683.7556

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