The intent of debris removal extensions is to provide coverage for this service in the aftermath of a large loss. The intent of debris removal extensions is to provide coverage for this service in the aftermath of a large loss. (Photo: iStock)

Analysis brought to you by the experts at FC&S Online, the recognized authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to have YOUR coverage question answered — visit the National Underwriter website, or contact the editors via Twitter: @FCSbulletins.

Question: Does the 5% Debris Removal Additional Coverage in a homeowners’ policy require that the amount of the 5% be actually spent in order for the entire 5% amount to be owed?

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