Facts About Landscaping and Insurance Coverage

Landscaping is an investment in your home's appearance that increases its value, curb appeal, and your enjoyment of your property.  Homeowners insurance covers some aspects of this investment but not others, although you may be able to purchase additional coverage. 

What landscaping is covered by standard homeowners policies? Your basic policy may offer protection for trees, shrubs, and plants against specific problems such as fire, lightning, explosion, vandalism, riot, theft, or damage caused by someone else's vehicle.

How much does homeowners insurance cover for landscaping? Policies usually have limits on how much landscaping coverage is available, for example they may limit coverage for landscaping to a percentage of the dwelling protection and each particular tree or shrub may have a limit.

Is my landscaping covered in a hurricane? Damage to the plants themselves caused by weather disasters is typically not covered, but if falling trees damage your home or other structures on your property, repair to those buildings would be covered by your homeowners.

Damage to your landscaping caused by insects, pests, or diseases is not covered by homeowners insurance, which is why your investment in landscape design is best served by hiring a landscaper so these factors do not become an issue.

You will most likely pay a deductible before any coverage begins for damage to your landscaping, home, or structures.  One of the most important things to keep in mind is if someone else's tree falls on your home, your homeowners insurance will be the one to cover this damage.

If you are found negligible for not taking care of a rotting tree on your property that falls, your structures may not be covered by your homeowners insurance.  Have a professional arborist observe the health of the trees for you.   

We recommend that if you are concerned about coverage for your landscaping, you contact your homeowners insurance agent.  Inquire about additional coverage because some insurers offer options that could help provide additional protection for your valuable landscaping.

🦚Article by Connie Helena, author of The Green Orchid 🦚

A Look at Homeowner Landscape Design Data Reports

The new research reported by the 2017 U.S. Houzz Landscape Trends Study was on target for our industry and we would like to present some highlights here.  

The results of the research survey come from approximately 1000 American homeowners who have completed outdoor projects in the last year, who are currently in the middle of a landscaping project, or who plan to do it soon.  These landscape designs are upgrades or updates of the current homeowner's exterior spaces, with the typical goal to make the space their own.

How much do people spend? The majority of the respondents (23 percent) spent between $1000-$5000.  Complete overhauls or major luxury landscaping were not a rare occurrence: 15 percent of the projects were over $50,000 in budget. Bottom line: Spending money on improving landscaping is considered worth the expense.

Where are the landscape projects? We know that landscaping is known to increase curb appeal exponentially, yet 69 percent of the landscaping jobs were completed in the backyard of the home.  44 percent were the front yard, and 32 percent were side yards. (Keep in mind some projects were in multiple locations.) Bottom line: We care the most about our living and entertaining spaces.

What needs are being addressed with landscaping? The number one issues that landscape design and installation were focused on were "drainage" and/or "poor use of space".  This was followed by "lack of privacy".  If curb appeal were the main goal of the landscaping work, the most important feature was flower beds/borders by a wide margin. Bottom line: Landscaping equals functionality.

How long does the project take?  It is important to remember that unforeseen problems such as extreme weather (especially in Florida) can upset project schedules. But these were the averages for three different levels of landscaping work:

Minor project: 3 months of planning/3 months of implementation
Major project: 5 months of planning/4 months of implementation
Complete overhaul: 6 months of planning/6 months of implementation

What plants are the most popular? For the past several years of studying these statistics, the top answer to this question is "low-maintenance", followed by "flowering". (Pictured at top is the stunning camellia variety, "Pink Perfection", which grows well in North Florida landscape designs.) Bottom line: Combine color with waterwise hardiness.

Ultimately, 73 percent of landscape projects are completed by a professional landscaper such as GreenFlex Landscaping.  Although, of those homeowners who are currently in the planning stage of their landscape job, only 63 percent plan to hire a professional.  

🦚Article by Connie Helena, author of The Green Orchid 🦚