What do I do if
Specimen trees destroyed.
Landscaping sublimit cap.
Specimen trees destroyed.
Root cause
Why this happens
Florida HO-3 policies typically cap landscaping coverage at $500 per tree, shrub, or plant, with an aggregate limit of 5% of Coverage A. Specimen trees with appraised value above the per-item sublimit require scheduled coverage on a personal-property endorsement. Without scheduling, you collect only the policy sublimit regardless of the tree's actual replacement cost.
Know the law
Your rights
Valuable trees can be scheduled above sublimit.
Free claim review
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
What to do
Solution steps
- 01
Step 1
Obtain landscape architect appraisal
- 02
Step 2
Submit with claim
- 03
Step 3
Consider scheduling at renewal
No obligation. No fee unless recovery.
Licensed Florida public adjuster.
Similar scenarios
Related problems
Under-insurance shortfall.
Firearms sublimit typically $2,500 unless scheduled.
Collectibles sublimit typically $2,500.
Florida law addresses hurricane deductibles within calendar year.
Wine collection may exceed contents sublimit.
Free claim review
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
Know the law
Relevant statutes
Public adjuster representation.
Carrier duties.
Notice deadlines.
Homeowner Bill of Rights.
Matching statute.
Go deeper
Related resources
Emergency playbooks.
FNOL to settlement.
Statutes.
Denial reasons.
Carrier profiles.
All 67 counties.
Claim terms.
Damage categories.
Florida storm profiles.
Decision tools.
Real recoveries.
Common problems.
See also
Other common problems
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Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
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