Wind blew a tree down over a fence of our insured and onto a structure in the neighbor's yard. The tree needed to be removed and so it did not damage our fence. Also, the tree was removed from the neighbor's structure. Additional information is attached. Based on the policy language, would there be coverage for the tree removal of around $6,200? We appreciate your review and feedback.
Pennsylvania Subscriber
This is a nonstandard coverage form and upon reading the form, it states the following:
"We will cover "loss" to trees, shrubs, lawns, and plants (except vegetated roofs) on the premises described in the "Declarations" caused by fire; lightning; explosion; riot or civil commotion; vehicles; aircraft; smoke; falling objects; sonic boom; "sinkhole collapse"; volcanic action; or collapse caused by any of the perils specified in this paragraph.
If trees, shrubs, and plants are inside buildings on the premises described in the "Declarations", we will also cover "loss" caused by windstorm; hail; weight of snow, ice, or sleet; vandalism or malicious mischief; or temperature change. There must first be damage from a peril insured against to the premises described in the "Declarations"."
So, trees, shrubs, and plants are only covered for loss caused by wind when they are inside of buildings on the premises. The debris removal section states, "We will pay the cost of removal of debris to covered property on the premises described in the "Declarations" caused by a peril insured against."
In this situation, since the tree was outside and damaged due to wind, the loss was not caused by an insured peril.