My rule of thumb when dealing with insurance companies in general is that they will pay to remove a tree off of a structure, driveway, vehicles that are insured, powerlines if it caused damage to the house, deck or any other structure type property.
Most will not pay for the disposal or even clean-up but just to get it off the house. I go completely simple and don't put much in it. Bill the home owner for "removal of tree off of...(one of the above items)...." Thats it. If you put down that you did clean up and this and that the insurance may toss it back. NOTHING MORE and a PRICE. I have yet to have one kicked back at me.
Now Some insurance companies like State Farm will pay what ever Cost to have it removed and then UP to $500 to have it cleaned up and removed. Not saying to GET the insurance company but it is good to put it in the back of your head when billing. And State Farm around here anyway is fine with us billing them direct and not making there customer deal with it.
Other companies will pay up to $1000 dollars per tree for the above so it is nice to know who the insurance company is and what the policy says because it will very.
Want a good way to find out and stay on the insurance companies good side. Talk to their agent and tell them you NEED to know what the policy will cover because "you want to do what ever you can to TRY and keep the cost down so that the insurance will cover it to keep YOUR CLIENT from having to FORK OUT any more MONEY." They like to here that. Makes them and there company look good if you can keep it to where the insurance picks up the bill.