It's usually up to 5% more than the property damage limit. However, some companies may have a fixed dollar amount of debris removal coverage. Normally, your insurance company will include the costs of removing debris in the property coverage to which the debris applies. You, as the property owner, are responsible for clearing debris from your land.
Your policy must cover the removal of debris as an expense necessary to get your property back to its pre-loss state. If your property was damaged or destroyed, but not because of a disaster that affected other homes in your area, you'll have to negotiate the price of the removals and pay for them out of pocket if they exceed your policy limits. You must use part of the benefits of Coverage A (housing) to cover this expense, or there may be additional benefits for removing debris in addition to coverage A. This interactive report explores how you can provide a unified and optimized customer experience to accelerate sales and more across all business units.
This data is a critical resource for insurance companies and claims professionals, as they enact and facilitate hurricane response and recovery strategies. Policies with a debris removal provision generally only cover debris resulting from an insured hazard, such as wood charred by a building fire.
