Which types of damage to trees, shrubs, and plants are NOT covered under the DP-2 and DP-3 forms?

The specific exclusions regarding damage to trees, shrubs, and plants in the DP-2 and DP-3 forms primarily stem from the limitations established in these policies. Under these forms, damage caused by certain perils, such as fire, explosion, and vandalism, is generally covered. This means that if a tree or plant were to suffer damage from a fire or as a result of vandalism, the policy would typically provide protection against those losses.

However, damage caused by hail is explicitly excluded from coverage under both the DP-2 and DP-3 forms. This means that if a policyholder experiences damage to their trees, shrubs, or plants due to hail, they would not be able to claim for that damage under their homeowners policy. This exclusion often stems from the nature of hail damage being considered a separate peril, as opposed to the more common perils that the DP forms cover.

Understanding these nuances helps policyholders to know what protections they actually have and what types of damage won't be eligible for coverage, allowing them to better manage their expectations and potentially seek additional coverage if necessary.