Deductible(s)—Damage by Wind and Lightning

Our insured, on an HO 00 03 10 00, had his home damaged during a recent thunderstorm.  Lightning hit his well pump, and wind blew a tree down onto his house.  The company says these are two separate occurrences, and has applied two deductibles.  We question if this is two occurrences, or one occurrence with two perils.

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