Summary: In addition to the physical loss or damage to property caused by fire, windstorm, or other disaster, the property owner is often left with debris from the loss. This debris must be cleared away (sometimes at considerable expense) before the property can be restored to use. To clarify the question of whether this consequence of direct damage is covered as a part of the direct damage to the property, insurers many years ago began adding a debris removal clause to property forms that clearly extends the direct damage insurance to include this cost. This article presents a brief description of this coverage.

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