Some insurers include debris removal in their home insurance policy, while others offer it as additional coverage or backup. Provides assistance to cover cleaning costs to remove debris from covered property after damage caused by a covered loss has occurred. Homeowners insurance can help cover the cost of removing debris, including removing fallen trees. In their policies, most insurers state that they “will pay their reasonable expenses for the removal of debris from the covered property if the loss is due to a hazard to the insured that applies to the damaged property.” Your insurance company will generally include the costs of removing debris when repairing damage to your home after a covered loss.
Debris removal insurance is a section of a property insurance policy that offers reimbursement for cleaning costs associated with property damage. This is insurance that covers the costs and expenses of removing debris if an insured property has been destroyed or damaged by an insured loss. The primary case in which your home insurance covers debris removal occurs after damage caused by a covered hazard. A catastrophic loss can consume a significant portion or all of the direct damage limit, leaving an insufficient amount for debris removal costs.
Policies with a debris removal provision generally only cover debris resulting from an insured hazard, such as charred wood or twisted metal from a building fire. Under the New York Standard Fire Policy of 1943 and its predecessors, debris removal costs are not mentioned as covered or excluded. You may also be interested to know that, after a widespread disaster, some communities may offer debris removal programs at the city or county level through local government. When calculating the many costs associated with repairing and replacing a property after destruction or damage, the costs of removing debris and cleaning add up to the value of the damaged property, rather than being part of it.
To clarify coverages, a debris removal clause was added to the forms attached to the standard fire policy. If your yard is full of debris after a storm, it's covered by your home insurance, but again, only 25 percent of the total claim can be used to remove debris. A claim for debris removal is only paid if an insurer is reported within 180 days of the date of loss. Because your insurance will likely only help pay for the costs of removing debris that comes into contact with an insured structure, you should know what you can expect to be covered.
Debris removal costs were not considered to determine compliance with the policy's coinsurance clause; however, if it was determined that a coinsurance penalty was applicable, which reduced the recovery of property loss, the usual adjustment practice was to apply the same limitation to payment for the debris removal. If this debris needs to be removed to restore a property to its pre-loss condition, your insurance company will cover it.