As a landlord, you are responsible for cleaning up debris from your property after a fire. The good news is that coverage for debris removal is included in most homeowners insurance policies. If a fire has damaged your home, it's essential to have the right insurance coverage. If you have homeowners insurance, you might wonder if your policy covers the removal of debris after a fire.
Homeowners insurance policies may cover the removal of debris after a fire. Homeowners policies generally include liability coverage and personal property coverage, which generally includes debris removal. Check your policy to see what types of claims are covered. There are different rules about debris removal for different insurance companies.
What isn't covered by homeowners insurance? Homeowners insurance doesn't cover the fire if that fire was started intentionally. Whenever there's a fire, it's not uncommon for the fire department to investigate. They'll look for where the fire started and what fuel was used, and this can help them determine if the fire was arson or accidental. Yes, homeowners insurance covers your home and personal belongings against damage caused by fire and smoke.
Yes, homeowners insurance covers debris removal. Usually, your insurance company will include the costs of removing debris when repairing damage to your home after a covered loss. If it's not below your default policy limits, many insurers will add a percentage to cover debris removal. Alternatively, some companies set aside a fixed dollar amount for debris removal coverage.
Personal property coverage is designed to cover standard items, such as sofas or clothing, and limits certain items, such as jewelry, works of art or collections, sports equipment, and electronic devices. Debris removal is generally covered by homeowners insurance, but it's essential to understand the policy limits for homeowners. In their policies, most insurers state that they “will pay their reasonable expenses for the removal of debris from covered property if a hazard against which the insured applies to the damaged property causes the loss.”. Normally, your insurance company will include the costs of removing debris in the property coverage to which the debris applies.
For example, if you burned down your house before you had a fire policy, the removal of debris wouldn't be covered by your homeowners insurance policy because a covered event didn't cause it. Stephanie Nieves was an editor and insurance expert at Policygenius, where she covered home and auto insurance. A homeowners insurance policy is designed to cover the policyholder's home and personal property for damage caused by fire and smoke up to the policy's coverage limits. Insurers also often include separate provisions for removing fallen trees due to windstorms or the weight of ice and snow.
Debris removal coverage is usually included in plans by default, and you don't have to pay any extra for it. In that case, you may be able to file an insurance claim for the removal of debris in the Actual Cash Value section of your policy. Debris removal involves cleaning the scene of a fire, which may include the removal of personal property, furniture, and other damaged items that the fire has destroyed. Your homeowners insurance policy usually covers the removal of debris if it was caused by an event covered by the policy.
The primary case where your homeowners insurance covers debris removal occurs after damage caused by a covered hazard...