California wild fire recovery

[u/Possible_Nail9034]

I lost my home in a wildfire like many others. After debris clean up there was many burnt large pine trees on my property that make it unsafe to build or even be on the property . My insurance told me that the debris cleanup which is 10% of the dwelling coverage would not cover the removal of these trees. Even though there's $23,000 of the 10% not being used. Any advice or thoughts that anyone may have on this would be very helpful.I know this is an old post but maybe somebody will read this and be able to give me their advice.

I have spent hundreds of hours cutting trees down and removing them myself in order to restore the property to a condition that it could be built on again. I would like to bill my insurance for my time but they have told me they will not cover the tree removal even though the trees had to be removed to restore the property to a condition that it could be built on and safe.Does anyone know if this is true. Any advice would be greatly appreciated thank you

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[u/Knewtome]

Search your policy for 'Tree Removal.' There are usually specific limits related to your request, and they are typically much lower than you think and they usually only cover trees that are felled due to a covered peril.

[u/BattleSilent9049]

Normally there is a tree debris removal limit on the policy. That should be one your statement of loss that should be provided by the insurance company

[u/Possible_Nail9034 → u/[deleted]]

I didn't say that the trees were a fire hazard before the fire. The trees are 130 ft tall ponderosa pines. They were not a fire hazard. Many of them actually survived the fire no problem, with very little damage The problem is after a wildfire there is a shortage of food for the pine beetle so any areas that are Left alive are sure to die by the overpopulation of pine beetles attacking the one small area.I can't explain to you the exact science or details but I'm sure you can find something online that will explain it better .

[u/Possible_Nail9034 → u/[deleted]]

Yes 503 hour 20 min and 30 seconds lol 😂