Debris Removal Clause

What Does Debris Removal Clause Mean?

A debris removal clause is a provision in a property insurance policy that covers the cost of removing debris from the insured’s property. However, the debris must result from a loss specifically covered by the policy. These clauses often only cover losses amounting to 5 to 10 percent of the full policy value.

Insuranceopedia Explains Debris Removal Clause

Various types of debris can accumulate on a property. For example, if a tree falls on the property, the debris could include wood, leaves, and broken parts of the building. In the case of a fire, the debris might consist of charred furniture and other damaged materials. The cost of removing this debris is typically separate from the cost of repairing the property. This is where debris removal clauses are beneficial. Without such clauses, the property owner would either have to clean up the debris themselves or pay someone out of pocket to handle the job.