1. Forms
2. DP
3. DP-04-17

What the Form Is

The DP 04 17 "Trees, Shrubs And Other Plants - Form DP 00 01 Only" is an endorsement to the Dwelling Property 1 – Basic Form (DP 00 01). The primary purpose of this endorsement is to add a specific amount of coverage for trees, shrubs, plants, and lawns located on the described premises, as the DP 00 01 Basic Form typically excludes coverage for such items. Coverage is usually limited to a specified amount per item, commonly $500 for any one tree, shrub, or plant. The endorsement may also address coverage for the peril of windstorm or hail for these items, potentially including an option for a separate deductible or to specifically include this peril.

Classes of Business It Applies To

This endorsement is specifically designed for use with residential properties insured under an ISO Dwelling Property 1 – Basic Form (DP 00 01). The DP 00 01 policy is often used for:

• Rental properties (non-owner occupied dwellings)
• Dwellings that may not meet the underwriting criteria for a broader homeowners policy
• Properties where the insured desires basic, named-peril coverage

Real-world example: A landlord owns a single-family home that is rented out. The property has several mature trees and ornamental shrubs. The landlord has a DP 00 01 policy for the dwelling and wants to add some level of coverage for potential damage to this landscaping from covered perils, so their agent adds the DP 04 17 endorsement.

Special Considerations

• Compatibility: This endorsement is exclusively for use with the DP 00 01 Basic Form. It should not be used with the DP 00 02 (Broad Form) or DP 00 03 (Special Form), as those policies already provide a base level of coverage for trees, shrubs, and plants (though other endorsements like DP 04 18 might be used with those forms to extend coverage for windstorm/hail).
• Per-Item Limit: The typical limit of $500 per tree, shrub, or plant is a significant restriction. For properties with valuable or extensive landscaping, this amount may be insufficient.
• Covered Perils: The coverage provided by this endorsement is subject to the perils insured against by the main DP 00 01 policy, unless the endorsement specifies otherwise (e.g., for wind/hail). The DP 00 01 is a named perils policy, covering a limited set of risks.
• Wind/Hail Option: Agents and insureds need to pay close attention to whether wind/hail coverage is included for the trees and shrubs and if any special deductible applies.

Key Information for Agents and Underwriters

• Risk Assessment: Underwriters should consider the value and susceptibility of the landscaping to loss. Properties with extensive, mature, or particularly valuable trees and shrubs may present a higher risk exposure under this endorsement.
• Coverage Adequacy: Agents should discuss the $500 per-item limitation with the insured to ensure they understand the extent of coverage. If landscaping values are high, this endorsement might offer only partial protection.
• Proper Form Usage: It is crucial to ensure this endorsement is only attached to a DP 00 01 policy. Misapplying it to other dwelling forms can create coverage conflicts or redundancies.
• Peril Clarification: Clearly explain to the insured which perils will apply to their trees, shrubs, and plants under this endorsement, especially in relation to windstorm and hail.
• Exclusions: Be aware that property grown for commercial purposes is generally not covered by such endorsements.