How much of the debris removal costs is covered under a homeowners policy?

Homeowners policies typically cover "all reasonable costs" associated with the removal of debris after a covered loss. This coverage is essential because, after many types of perils, such as fire or storm damage, property owners may face significant cleanup costs. Including debris removal is key to helping policyholders return their property to a safe and usable condition without facing excessive financial strain.

This coverage is usually provided without a specific limit, although it may be subject to the overall policy limit for property damage. Therefore, the phrase "all reasonable costs" is significant as it emphasizes the intent of the insurance provider to assist policyholders in managing the financial burden of cleaning up after a loss. The policyholder must ensure that the costs incurred are indeed reasonable and directly related to the cleanup effort arising from the covered loss.