Insured had a fire that started in the backyard in California. The policy is with Nationwide. When the insured asked why their artificial turf fell under other structures the response was:

We included the estimate of damage to the artificial turf under Coverage B – Other Structures; as it is installed onto the ground and is considered a part of the hardscape of the yard. The replacement of the artificial turf would not apply to the additional coverage for Trees, Shrubs And Other Plants. Due to the turf is an artificial material and is not a living shrub or plant and thus is not applicable under the additional coverage under the policy. Please see the applicable section from the policy:

E. Additional Coverages 3. Trees, Shrubs And Other Plants We cover trees, shrubs, plants or lawns, on the "residence premises", for loss caused by the following Perils Insured Against: a. Fire or lightning;

This premium content is locked for FC&S Coverage Interpretation Subscribers

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis