During a windstorm, how much can Jeff receive for the replacement of damaged trees and bushes with an HO-3 policy?

Under an HO-3 homeowners insurance policy, coverage for damaged trees and bushes is typically subject to a specific limit defined within the policy. This means that when a windstorm or similar peril causes damage to landscaping elements like trees and bushes, the insurer will pay up to the amount specified in the policy for their replacement. This limit is in addition to the overall coverage that protects the dwelling and personal property.

This structured approach allows homeowners to know in advance how much coverage they have for specific items like landscaping, which is essential for proper financial planning. It ensures that policyholders are aware that while they are covered, there are limits that are prescribed, unlike broader coverage statements that sound more open-ended.