Why wouldn't insurance cover it?
Trees have no respect do they!
That sucks! I had a Mycroburst hit my house years ago and my wife's old car just got a dent in the door and a broken door mirror! But i was very lucky!! My BRONCO was broken down and i was putting a new cam in it! I got home driving the work truck that night to see a massive tree where i park my Bronco or work truck at.