We have a claim where a tree blown over by Hurricane Michael has damage a sidewalk. Is the damage caused by the tree covered?
The policy is an HO policy. Coverage for trees, shrubs, and other plants is limited to the following perils: Fire or Lightning, Explosion, Riot or Civil Commotion, Aircraft, Vehicles, VMM, Theft
Texas Subscriber
You asked about damage to the sidewalk, but then are looking at covered perils for the tree. Does the insured or the county own the sidewalk? If the sidewalk belongs to the insured, you need to look at the Homeowners policy, and in the standard HO 00 03 there's no exclusion for trees falling on the sidewalk, so there would be coverage. If the sidewalk were owned by the county, then coverage would fall under liability.