Is debris removal covered by a homeowners insurance policy?

By Jacques Wong | Last updated: March 13, 2017

Yes, debris removal is typically automatically covered under a homeowner insurance policy (learn more about your coverage in Breaking Down Your Homeowner's Insurance Policy, from Coverage A to E). This covers the removal of debris from the insured's own property or from other things blown onto the insured's property. However, the extent to which debris removal is covered depends on the type of policy purchased.

Under the most basic Fire Policy, debris removal is covered if it results from an insured peril or windstorm. However, an important exclusion is that it does not recover the cost of testing for and cleaning of pollutants. As a general rule, anything to do with pollutants is not covered by your typical insurance policy as losses may be disproportionately large.

The amount of debris removal coverage is typically only up to 25% of the total value of the loss minus any deductible that may apply.

Share this Q&A

  • Facebook
  • LinkedIn
  • Twitter


Home Insurance Claims Insurance Contract Personal Lines

Written by Jacques Wong

Profile Picture of Jacques Wong

Jacques grew up around the insurance industry and began actively participating in 2013. Since then, he has gotten a Level 2 license, won Insurance Council of BC awards in 2015 and 2020 for academic excellence in the insurance licensing courses. He educates insurance professionals through PNC Learning and as a Thought Leader at ReFrame Insurance.

In his day job as an insurance broker, he helps businesses with creative risk management solutions and strategic advice when it comes to insurance.

More Q&As from our experts

Related Articles

Term of the Day

Underwriting Income

Underwriting income is the profit an insurance company makes from the policies it offers after factoring in the total amount...
Read Full Term

Stay informed with Insuranceopedia!

The world of insurance can be complicated. Subscribe to the Insuranceopedia newsletter and stay in the know! Access expert content, industry term definitions and answers to your questions from knowledgeable insurance insiders. Arm yourself with what you need to know to keep your assets and your family safe.

Go back to top