DEBRIS REMOVAL COVERAGE.
Debris is a result of any building or business personal property loss and it must be removed before reconstruction can begin. Payment for debris removal in the building and personal property coverage form is limited to no more 25% of the amount of the direct loss and the combination of the debris removal cost and the direct loss cannot exceed the limit of insurance plus $25,000. These amounts may be insufficient for some insureds and an option is available to purchase additional limits. Limits are purchased by location and not on the basis of each building. This approach gives an insured the opportunity to consider the entire location and determine the total potential debris removal consideration. Unusual construction or locations with access problems are examples of when purchasing higher debris removal expenses should be encouraged.