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.
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.