Trees, Lawns, and Shrubs

Our insured has a home insured on an HO 00 03 10 00 for $405,000. He suffered a fire loss, and consequently there was much damage to his landscaping. He submitted a bill, but it is not broken out and simply states “$12,000 for trees, shrubs and mulch,” and $5,500 for lawn work. He has 5 percent of the dwelling limit, or $20,250 to apply to trees, lawns, and shrubs, but even so the bill seems excessive.

We have three questions. (1) Since lawns are listed as “trees, shrubs, plants or lawns,” would the $500 limitation for any one tree, shrub or plant apply? (2) Much of the damage to the lawn was caused by extensive water from the fire hoses and by vehicles pulling off the one-lane driveway. So, the fire did not damage the lawn. Is this a separate loss? The policy does not cover land; are the tracks made by the vehicles excluded? (3) Does the additional coverage for trees, shrubs and plants also apply if the dwelling should have to be demolished?