Homeowners Policy (HO)Question 344 of 474
After a covered storm the insured pays a contractor to tarp the roof so rain cannot enter. Which additional coverage responds to that cost?
a.Debris removal of the damaged roof material
b.Ordinance or law compliance for the repair
c.Loss assessment charged for the repair work
d.Reasonable repairs made to protect the property
Explanation
The reasonable repairs additional coverage pays the necessary cost of measures taken solely to protect covered property from further damage after a covered loss, which is exactly what tarping an opened roof does. Debris removal pays to haul away wreckage rather than to prevent more damage. This coverage does not increase the limit on the damaged property.
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Related questions on this topic
- Coverage A is $250,000 and a rebuild after a covered fire must meet a newer building code, raising the cost. The ordinance or law additional coverage on a standard form provides up to:
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