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.
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What kind of damage?
Pick the closest match. We will ask for details later.
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
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Dealing with this? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
My damage clearly exceeds my policy limits.
Under-insurance shortfall.
Firearms theft exceeded unscheduled sublimit.
Firearms sublimit typically $2,500 unless scheduled.
Collectibles theft undervalued.
Collectibles sublimit typically $2,500.
Hurricane deductible applied multiple times in one season.
Florida law addresses hurricane deductibles within calendar year.
Wine cellar damaged; contents affected.
Wine collection may exceed contents sublimit.
Free claim review
Still building your claim? We can help right now.
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 later.
Know the law
Relevant statutes
FS 626.854
Public adjuster representation.
FS 627.70131
Carrier duties.
FS 627.70132
Notice deadlines.
FS 627.7142
Homeowner Bill of Rights.
FS 626.9744
Matching statute.
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See also
Other common problems
The driver who hit my house was uninsured.
Another situation Florida policyholders face mid-claim.
My carrier reduced my coverage at renewal without asking.
Another situation Florida policyholders face mid-claim.
Insurance claim pending after home sale.
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ALE in different city because home uninhabitable.
Another situation Florida policyholders face mid-claim.
Mortgage servicer disbursement dispute (variant 2).
Another situation Florida policyholders face mid-claim.
Multi-event damage allocation dispute (variant 2).
Another situation Florida policyholders face mid-claim.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
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- ✓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 later.
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