Property insurance typically covers the cost for debris removal if a property is damaged due to a covered peril, such as a fire.
Some commercial property insurance might offer debris removal coverage as an add-on. Stipulations of the amount of coverage and a window of time within which debris removal expenses must be reported may be part of a policy.
How much coverage is needed for debris removal?
The amount of coverage varies by policy. To determine the amount of coverage you will need, consider factors such as the age of the building; proximity to other buildings; type of structure, such as wood or steel frame; and the presence and type of hazardous materials.