You're trying to combine two separate coverages. The debris removal does not apply to trees because the removal of trees of the insured is limited to the felling of the trees by windstorm, hail, weight of ice, snow or sleet, and which damage a covered structure or blocks a driveway or handicapped ramp. There is no coverage for the debris removal of trees simply damaged by fire.

Under the additional coverage for trees, shrubs and other plants, there is coverage for damage by fire, and an additional five 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 five 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. While 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.