What do I do if
Tree removal cost exceeds my sublimit.
Most policies cap tree removal at $500-$2,000. Major tree removal after storms exceeds this easily.
Tree removal cost exceeds my sublimit.
Root cause
Why this happens
Most policies cap tree removal at $500-$2,000. Major tree removal after storms exceeds this easily.
Know the law
Your rights as a Florida policyholder
Removal from a damaged structure may be separate from yard cleanup. Review policy language carefully.
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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
Separate structure-related removal from general cleanup
- 02
Step 2
Submit itemized bill distinguishing the two
- 03
Step 3
Review policy for structure-related removal provisions
- 04
Step 4
Consider supplemental coverage at renewal
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Similar scenarios
Related problems
My jewelry sublimit is $1,500 but I lost $20,000 in jewelry.
Standard HO-3 policies cap unscheduled jewelry at $1,500 in theft. Only scheduled (riders) items get full coverage.
My pool cage was denied as landscaping.
Carriers sometimes miscategorize pool enclosures to apply landscaping sublimits.
My carrier denied my roof claim because the roof is too old.
Some Florida policies added roof age restrictions after 2019. If your policy has one, age-based denials may be valid.
Carrier is demanding proof of ownership for every stolen item.
Proof-of-ownership demands are a delay tactic and scope-reduction technique.
Theft denied as mysterious disappearance.
Misclassification of theft as mystery disappearance invokes exclusions.
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 627.70131
Carrier duties and deadlines.
FS 627.70132
Notice of claim deadlines.
FS 626.854
Public adjuster representation rights.
Go deeper
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See also
Other common problems
Carrier applied hurricane deductible when not triggered.
Another situation Florida policyholders face mid-claim.
Flood carrier and homeowners carrier disputing responsibility.
Another situation Florida policyholders face mid-claim.
Drone or aircraft damaged my property.
Another situation Florida policyholders face mid-claim.
Request for adjuster inspection report (standard).
Another situation Florida policyholders face mid-claim.
Attorney vs public adjuster decision (standard).
Another situation Florida policyholders face mid-claim.
Claim review board escalation process (variant 4).
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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