What Does Debris Removal Clause Mean?
A debris removal clause is a provision in a property insurance policy that debris removal from the insured's property. The debris, however, must be caused by a loss specifically covered in the policy. Oftentimes, these clauses only cover losses 5 to 10 percent of the full policy value.
Insuranceopedia Explains Debris Removal Clause
Many types of debris might accrue on a property. For example, if a tree falls on the property, the resulting debris would include wood, leaves, and broken structural components of the building. If a fire starts in a building, it may result in charred furniture and other housing materials. The cost of removing this debris is usually separate from the cost to repair the property. This is where debris removal clauses come in. Without them, the property owner would have to clean the debris themself or else pay someone out of pocket to complete the job.