If an insured suffers a windstorm loss, how much will the insurer pay for tree removal when 2 trees belong to the insured and 2 to the neighbor?

In the context of homeowners insurance, coverage for tree removal is typically included in the policy under certain conditions, such as when the trees are damaged by a covered peril like a windstorm. However, the amount that the insurer will pay for tree removal has specific limits.

In this scenario, the insured is entitled to coverage for tree removal of their own trees that are affected by the windstorm. Often, homeowners policies provide a set limit for tree removal, such as a specific dollar amount per tree and an overall cap for the total tree removal expenses.

Given that the insured has two trees, the calculation would be based on the individual tree removal value that the policy stipulates along with the overall limit it allows for tree removal expenses. If the insured’s policy allows, for example, $500 per tree, then the costs would amount to $1,000 for the removal of the two insured trees. The costs associated with the neighbor's trees would generally not be covered by the insured's policy.

Hence, if the insurer pays $1,000 for the insured's trees and there’s no coverage for the neighbor's trees, the appropriate answer aligns with the option that reflects this understanding of policy limits and covered perils.