A few years ago we had a bad winter storm with lots of ice and broken tree limbs. One night , the next summer, I was camping and went to bed normally. There was No Wind that night !! The next morning I woke up to find a fairly small branch on the ground next to my truck. I thought to myself "Glad it missed my truck". Then I looked at the truck to find the windshield broken and and the fender caved in. Funny how that small branch could do that much damage.
Insurance covered it. (First claim I had made in almost 30 years. Except for the occasional windshield. )
Thankfully it was close to home because my Travel Trailer was stuck at the park for a week while the pickup was in the body shop.