Burned, But Not Dead, Trees Covered?

We have an HO3 4-91 policy. The loss is a brush fire in the insured's yard. They had damage to trees, shrubs, and bushes. We have two questions. If a tree is burned and charred but not dead, is this a loss to the tree and do we owe to replace the tree? Secondly, this is a large lot with lots of small plants or bushes growing naturally and not “landscaped”. Are these bushes covered under this coverage?

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