Chipper is pretty much dead on here. In Md the Insurance Company will pay to remove the tree from the insured structure, to the ground. But, not from the property. When we were doing insurance paper work we would put the full sum under "Remove from structure", and not give them the rest of the estimate. That's all that pertained to them. They never challenged us. If they did our canned response was, "Yes, the entire job was a lot more. If you want us to look it up we have a nominal research fee". But, they never complained.
