4. Megan has her home and personal property insured under an unendorsed Homeowners 3 (special form) policy. Indicate whether each of the following losses is covered. If the loss is not covered, explain why it is not covered.

k. During a windstorm, an elm tree in Megan's yard is blown over.

I. The home is badly damaged in a severe earthquake. As a result of the earthquake, the front lawn has a 3-foot crack and is now uneven.

m. An icemaker in the refrigerator breaks and water seeps into the flooring and carpets, causing considerable damage to the dwelling.