Fire Damage to Trees-Debris Removal or Additional Coverage for Trees

January 27, 2016

I am working several large property claims from the Northern CA firestorms this summer. I am not clear on debris removal for our ISO HO-3 policies (HO 03 10 00), and whether or not this debris removal as an additional coverage extends to removal of dead trees killed in the fire. Trees are covered under additional coverage (E), 3. when the loss is caused by a peril insured against, including fire. If the limit available for trees, shrubs and other plants is exhausted by payment of loss, is there an extension of another 5% for debris removal of these now dead trees? This insured has many acres of lost trees, and any available coverage is helpful. Some say that the additional 5% for debris removal only extends to coverages A, B & C, and not to trees, shrubs & other plants. Can you help?