Questions: A Homeowners policy is in force with a 2000 deductible. A severe windstorm damages a large oak tree in the customer's front yard. One large limb is blown onto the roof of the customer's dwelling and a wood patio furniture set. The customer submitted the following items for reimbursement: 350 to remove the limb from the roof, 375 to cut the tree limb up and haul it away, 200 reduction in value of the tree due to loss of limb, and 2359 to repair the roof. The patio furniture was damaged beyond repair. The customer submitted a quote to replace the patio furniture with like kind and quality for 1000. The patio furniture was two years old and the customer stated it was in average condition for its age. Wood patio furniture has an expected life of ten years. What is the cause of loss?

A Homeowners policy is in force with a 2000 deductible. A severe windstorm damages a large oak tree in the customer's front yard. One large limb is blown onto the roof of the customer's dwelling and a wood patio furniture set. The customer submitted the following items for reimbursement: 350 to remove the limb from the roof, 375 to cut the tree limb up and haul it away, 200 reduction in value of the tree due to loss of limb, and 2359 to repair the roof. The patio furniture was damaged beyond repair. The customer submitted a quote to replace the patio furniture with like kind and quality for 1000. The patio furniture was two years old and the customer stated it was in average condition for its age. Wood patio furniture has an expected life of ten years.

What is the cause of loss?
Transcript text: A Homeowners policy is in force with a $\$ 2000$ deductible. A severe windstorm damages a large oak tree in the customer's front yard. One large limb is blown onto the roof of the customer's dwelling and a wood patio furniture set. The customer submitted the following items for reimbursement: $\$ 350$ to remove the limb from the roof, $\$ 375$ to cut the tree limb up and haul it away, $\$ 200$ reduction in value of the tree due to loss of limb, and $\$ 2359$ to repair the roof. The patio furniture was damaged beyond repair. The customer submitted a quote to replace the patio furniture with like kind and quality for $\$ 1000$. The patio furniture was two years old and the customer stated it was in average condition for its age. Wood patio furniture has an expected life of ten years. What is the cause of loss?
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Solution

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The cause of loss in this scenario is the severe windstorm. The windstorm is the event that led to the damage of the oak tree, the roof, and the patio furniture. In insurance terms, the cause of loss refers to the event or peril that directly results in damage or loss to the insured property. Here, the windstorm is the peril that caused the limb to fall onto the roof and patio furniture, resulting in the damages claimed by the customer.

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