Does the 5% Debris Removal Additional Coverage in a homeowners policy require that the amount of the 5% be actually spent in order for the entire 5% amount to be owed? The coverage says that if the amount of loss and the debris removal expense exceed the policy limit for coverage A, that there is an additional amount (5%) of insurance for debris removal is available. My position is that if the conditions for the additional amount of insurance to kick in, are met, that the 5% Additional Coverage is then fully compensable as part of the loss, even if the actual cost of the debris removal is less than the 5% additional coverage.

 Kentucky Subscriber