What's covered
- Damage to dwelling from fallen tree
- Damage to other structures (detached garage, fence, shed)
- Removal of tree that landed on a covered structure
Removal sublimits
Most Florida policies cover tree removal only if the tree struck a covered structure, and typically with a per-tree cap (commonly $500–$1,000) and aggregate cap ($1,000–$5,000).
Trees in the yard
A tree that falls in your yard and damages nothing is typically not covered for removal.