Without going too far into it, here is the deal.. If it is hurricane, tornado, lightning, neighbors tree crushing it, or even a super hurriphoonado, it is not covered. Those are "Acts of God". However, power failure on a receiver is covered so long as the receiver is not physically damaged (smashed etc). A "dish upgrade" is also subject to the cost of a tech visit only with a service plan (just like any other tech visit).
Acts of God = NO
Service visits/upgrade = YES
RA receiver for "power failure" = YES
Just to be clear though, a "power failure" is not caused by "my cat vomited in the vents of the receiver" (a call I have personally gotten twice), and it is not an Act of God (more like an Act of Gato). Physical damage like this is NOT covered no matter what. Cat vomit, flood damage, etc. all fall into "physical damage" categories.
Honestly, there is no reason to "present" the issue any differently then it actually is. The guys that repair the gear open the case and clean it out. If they see water, fire, puke, Cheerios, or any other sign that "God was here", they will charge for either the repair (flat rate) if it can be repaired, or the replacement (market value) of the receiver if it is not repairable. This is all disclosed at the time of replacing things like receivers.
With regard to outside: if lightning strikes your dish, put out the fire first and then worry about the replacement dish and outside equipment. For those of you here in the forum, shine the DIRT signal. We can help (except for the fire part).