South Carolina Personal Lines Practice Exam

For each tree or shrub damaged, what is the coverage limit under the additional debris removal?

1. $200

2. $500

3. $700

4. $1,000

The correct answer is: $500

The correct coverage limit for each tree or shrub damaged under the additional debris removal provision is indeed $500. This limit is significant within homeowners policies, as it provides coverage for the removal of debris after a loss, such as from storms or other incidents that damage trees or shrubs on the property. The additional debris removal coverage suggests that when a tree or shrub is damaged, the policyholder can reclaim an amount up to $500 for the associated debris removal costs. This is beneficial for homeowners as it helps offset the potential expenses they would incur from having to deal with the debris themselves, ensuring that they can maintain the property while also addressing the clean-up after an incident. This coverage also emphasizes the importance of understanding specific limits within an insurance policy, as limits can vary widely for different types of coverage or losses, reinforcing the need for policyholders to review their policy details carefully.