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.
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
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
No obligation. No fee unless recovery.
Licensed Florida public adjuster. No fee unless we recover more.
Similar scenarios
Related problems
Standard HO-3 policies cap unscheduled jewelry at $1,500 in theft. Only scheduled (riders) items get full coverage.
Carriers sometimes miscategorize pool enclosures to apply landscaping sublimits.
Some Florida policies added roof age restrictions after 2019. If your policy has one, age-based denials may be valid.
Proof-of-ownership demands are a delay tactic and scope-reduction technique.
Misclassification of theft as mystery disappearance invokes exclusions.
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
Carrier duties and deadlines.
Notice of claim deadlines.
Public adjuster representation rights.
Go deeper
Related resources
Emergency playbooks for every property damage type.
Every stage from first notice to settlement.
Statutes that protect policyholders.
Every common denial reason explained.
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All 67 Florida counties.
Every claim term defined.
Hurricane, water, fire, roof, more.
Every major Florida storm profiled.
Decision and settlement tools.
Real Florida recoveries.
Common problems answered.
See also
Other common problems
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.
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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