After the recent hurricanes, wind storms andwildfires, property owners have been cleaning up debris fromdowned trees and asking “What's covered and what'snot?

Question: On the HO 3 form, the policyprovides $500 for tree debris removal per tree with $1,000 totalcoverage per occurrence.

Does the HO 3 policy cover the cost to remove the tree or treelimbs from the “covered structure” separate from the cost to removethe tree “debris” from the “residence premises” assuming the treelanded on the building? For example, a tree service might charge$250 to remove tree limbs from the roof, $3,000 to cut the treelimbs and trunk into small pieces, $500 to rent the wood chipper tochop the tree, and $450 to remove the wood chips, including anydisposal fees, for a total of $4,200.

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Christine G. Barlow, CPCU

Christine G. Barlow, CPCU, is Executive Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over thirty years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter.