Generally, Florida policies cover removing a tree that has struck an insured structure such as your house, garage or fence, often up to a capped amount. A tree that simply falls in the yard and hits nothing is commonly not covered, and neither is removing a living tree you want gone. Your carrier decides, so photograph everything before it is moved and call them first.
The distinction that decides most claims
Did the tree hit something insured? A tree through the roof, into the garage or across a fence is usually a covered peril. The same tree lying across the lawn typically is not, however large and expensive it is to deal with. Many policies also cap tree-debris removal at a set dollar figure per storm regardless of the actual cost.
What to do before anything gets moved
Photograph the damage from a safe distance, from several angles, before a single limb is cut. Adjusters want to see the tree in place and against the structure. If a tree is on the roof, keep everyone out of the rooms underneath. Assume any downed wire is live and stay well clear of it. Then call your carrier, and call us.
Where a neglected tree changes the answer
Coverage conversations get harder when a tree was visibly hazardous beforehand and nothing was done. A documented history of maintenance helps you; a hollow, conk-covered trunk that had been that way for two years does not. This is one of the practical reasons to have deadwood and obvious defects dealt with while it is still cheap.
What we can and cannot do for you
We photograph the work, itemise the invoice the way adjusters expect it, and are glad to speak to yours. What we will not do is tell you what your policy covers. We are a tree service, not a public adjuster, and anyone in our trade who promises you a covered claim before your carrier has seen it is guessing.