This pertains to a California HO3 ISO HO 00 03 10 00 policy that also carriers the Executive Homeowners Coverage Form UN 09 56 04 09. The question involves the application of the Additional Coverage – Debris Removal.

The HO3 policy form reads:

  1. Additional Coverages
  2. Debris Removal
  3. We will pay your reasonable expense for the removal of:

(1) Debris of covered property if a Peril Insured Against that applies to the damaged property causes the loss; or

(2) Ash, dust or particles from a volcanic eruption that has caused direct loss to a building or property contained in a building.

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