Tree Lands on Roof and Debris Removal

 

February 27, 2017

 

On the HO 3 form, the policy provides $500.00 for tree debris removal per tree with $1,000.00 total coverage per occurrence.

 

The question is:

 

Does the HO 3 policy cover the cost to remove the tree or tree limbs from the “covered structure” separate from the cost to remove the tree “debris” from the “residence premises” assuming the tree landed on building?

 

For instance (hypothetical invoice from tree service – without consideration of deductible):

 

Remove tree limbs from roof of structure:

$250.00

Cut tree limbs and tree trunk into small pieces:

$3,000.00

Wood Chipper to chop tree:

$500.00

Remove wood chips (including truck and disposal fees):

$450.00

TOTAL INVOICE:

$4,200.00

 

Would the company owe $500.00 (debris removal limit for one tree) or would the company owe $750.00 (debris removal limit plus cost to remove tree from structure)?

North Carolina Subscriber

 

We've always been of the opinion that removing the tree from the structure is part of the repair of the structure and is separate from debris removal. The structure cannot be repaired until the tree and other debris is removed. Debris removal is intended to remove the tree from the yard to get it out of the insured's way, and to get it off of the driveway or away from blocking other access to the property.

 

 

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