Good question................
As a kid, we had a terrible storm come through on the farm, and there was a ‘strike’ within a mile of the house. Next morning, my dad and I go out....dozen cows laid out....some 30 ft from the tree...dead. Partial split for the tree itself.
Farm insurance was in place....paid roughly 80-percent of value. But by the time you hire a dozer to dig a pit for them...most of the money is used up.