Now, for the ash clean up, that falls under debris removal. The cleanup of ash, dust or particles from a volcanic eruption is covered only if the ash, dust or particles have caused direct damage to the property or property contained in the building. Therefore, if enough ash and particles have fallen so that the roof collapses, or that there is other direct damage, the removal of that ash is covered. However if ash just has covered the windows, the removal of the ash is not covered unless it has damaged the windows. If the insured damages the windows when removing the ash, that is not covered. The damage in that case is caused by the insured's poor technique in removal of the ash, and not directly caused by the ash itself.