I am in Gilbert Arizona( metro phoenix). Last week we experienced sub
freezing ( 22-24 degrees)temperatures for several nights. Anything potted
was brought in the house.
4 Giant Hibiscus and 3 monster Bougainvilleas and a very large Castor bean
"tree" wilted( foliage appears "burned") and have started to drop all there
leaves.
Not a big deal , I think the bougainvilleas will come back as they are so
hard to kill : /

BUT my concern is a 15+ foot Ficus Nitida with a trunk diameter of 10+
inches...
The leaves turned purple, and then in the last day or so, they have started
to drop in profusion. My neighbor has three like this doing the same thing.

I am wondering if this tree has been killed. Will my homeowners insurance
cover it if it has? I have seen trees half this size at local nurseries for
$3000.00.

Will it come back? ( will this be a good time to prune it?

Thanks
Brandon