We are hoping you can help. It seems that whenever the subjects of coverage for debris removal involving trees, or coverage for trees, shrubs and plants arises, there are as many different answers as there are insurers. In particular, the $500 coverage for debris removal for trees felled by wind, hail, weight of ice, snow, or sleet (or a neighbor's trees felled by a coverage C named peril) if the trees damage covered property appears confusing.

Would you address the following scenarios? Answer regarding both debris removal and cost of the trees themselves, please.

·An insured's tree is struck by lightning. It falls on the insured dwelling, damaging the roof.