In light of the recent storms we have received many calls from insured inquiring about coverage for ornamental trees that have been damaged by the heavy weight of the snow on the branches, although most homeowners policies do provide coverage of $500 per tree or shrub with a maximum of $1,000 in most policies the coverage is limited to the following Perils:
Fire, lightning, explosion, riot, civil commotion, aircraft, vehicle damages (vehicles not owned by the insured and not driven by the residents of the household), vandalism, malicious mischief and theft.
Another area of concern is what if the weight of the ice and snow causes the tree to fall? Do I have coverage to remove the debris? The answer to this question is yes and no, If the tree falls in the middle of the yard and does not hit the Dwelling there would be no coverage for its removal. However if it does hit the Dwelling the policy would pay up to $500 for the removal of the tree as well as the damage done by the tree.