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When a tree falls, does your insurance policy cover the damage?

On a homeowners policy HO3 form, under the additional coverage for trees, shrubs and other plants, there is coverage for damage by fire, and an additional 5 percent of the limit that applies to the dwelling for all trees, shrubs, plants or lawns. So there is up to $500 of damage per tree, shrub or plant up to the 5 percent of the dwelling coverage. For example, the insured coverage A is $300,000. Five percent of that is $15,000, which is available for the replacement of trees. Although this coverage does not discuss debris removal, it would make sense that if the dead trees have to be removed before they can be replaced by new trees that would be included as part of the overall cost of replacement.


Suzanne Brown Insurance Agency

A Texas Independent Insurance Agency with over 40 insurance carriers

www.SuzanneBrownAgency.com

281-558-2210

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