Homeowners Policy (HO)Pregunta 345 de 474
Debris removal under a standard homeowners policy pays the cost of:
a.demolishing an undamaged structure the insured dislikes
b.removing debris of covered property after a covered loss
c.removing household trash on a scheduled weekly basis
d.clearing a neighbor's lot of debris blown from the home
Explicación
Debris removal pays the reasonable expense of removing the debris of covered property when a covered peril causes the loss, and that expense is included in the limit applying to the damaged property. Routine trash collection and voluntary demolition of an undamaged building are maintenance decisions, not losses. The coverage follows the insured's own covered property.
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