What is debris removal coverage?

Debris removal insurance is a section of a property insurance policy that provides reimbursement for cleaning costs associated with property damage. Generally, policies that provide for the removal of debris only cover waste resulting from an insured risk, such as charred wood or twisted metal caused by a building fire. Debris removal insurance is exactly what the name suggests on the can. It is insurance that covers the costs and expenses of removing debris if an insured property has been destroyed or damaged by an insured loss.

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 the state it was before the loss. Removing debris from construction sites, home renovation projects, and foreclosures can be a difficult and dangerous task. Most property insurance policies include payments for the removal of debris, in a category known as “additional coverage.” It's important to consider the cost of debris removal when setting a direct damage limit anywhere.

That's why it's a good idea to check the debris removal section of your homeowners policy to see specifically what it covers and for how much. If your yard is full of debris after a storm, it's covered by your homeowners insurance, but once again, only 25 percent of the total claim can go toward debris removal. Debris removal insurance is a common extension that is included in many property policies and that covers the costs of removing debris from covered property damaged or destroyed by a covered loss at insured facilities. If you offer debris removal services, there are several types of insurance you might want to check with your ALIGNED insurance agent.

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. As long as the damage was caused by a covered loss, such as fire, the insurance company will pay your debris removal costs. This means that if you live in a condominium building or an insured home and a fire breaks out or a tree hits your roof, you probably rely on debris removal insurance to pay for the cost of removing any debris left behind. If you have a related business or offer debris removal services in the construction industry, you need to make sure you get the right coverage.

A catastrophic loss can consume a significant part or all of the direct damage limit and leave an amount insufficient to cover the cost of removing debris. Debris removal companies work with homeowners, businesses, and sometimes insurance companies to help facilitate the safe removal of debris. You must use part of your Coverage A (housing) benefits to cover this expense, or there may be additional debris removal benefits added to your Coverage A.