Q. Our insured has a TDP-3 and during a storm, lightning hit and split a tree. Is there coverage on the dwelling fire policy for the tree and does the deductible apply?
A. Yes, there is coverage if the loss was caused by fire, lightning, explosion, aircraft or vehicles not owned or operated by a resident of the described location. There is also coverage for damage caused by vandalism and malicious mischief, riot and civil commotion and damage by burglars. Damage caused by a windstorm is not covered.
The maximum limit of liability is 5% of the dwelling limit, subject to a maximum of $150 for any one tree, shrub or plant, including the cost of removal. The deductible clause does not apply.
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IIAT Technical Specialist Regina Anderson is your lifeline when it comes to all insurance-related questions. Regina has more than 43 years of insurance industry experience and has been answering IIAT agents’ regulatory and technical questions for 31 of those years. Don’t get stumped. Ask Regina. Call her (Mon. – Fri., 7:30 a.m. – 4 p.m.) at 800.880.7428 or e-mail firstname.lastname@example.org.