DEBRIS REMOVAL ENDORSEMENT

THIS ENDORSEMENT CONTAINS PROVISIONS WHICH MAY LIMIT OR PREVENT RECOVERY UNDER THIS CERTIFICATE FOR LOSS WHERE COSTS OR EXPENSES FOR DEBRIS REMOVAL ARE INCURRED.

Nothing contained in this Endorsement shall override any Seepage and/or Pollution and/or Contamination Exclusion or any

Radioactive Contamination Exclusion or any other Exclusion applicable to this Certificate.

Any Provision within this Certificate (or within any other Endorsement which forms part of this Certificate) which insures debris

removal is canceled and replaced by the following:

1) In the event of direct physical damage to or destruction of property, for which Underwriters hereon agree to pay, or

which but for the application of a deductible or underlying amount they would agree (hereinafter referred to as

'Damage or Destruction'), this Certificate also insures, within the sum insured, subject to the limitations and

method of calculation below, and to all the other terms and conditions of the Certificate, costs or expenses;

(a) which are reasonably and necessarily incurred by the Assured in the removal, from the premises of the Assured at

which the Damage or Destruction occurred, of debris which results from the Damage or Destruction; and

(b) of which the Assured becomes aware and advises the amount thereof to Underwriters hereon within one year of the

commencement of such Damage or Destruction.

2) In calculating the a mount, if any, payable under this Certificate for loss where costs or expenses for removal of debris

are incurred by the Assured (subject to the limitations in paragraph 1 above):

(a) the maximum amount of such costs or expenses that c n be included in the method of calculation set out in ( b)

below shall be greater of U .S. $ 25,000 ( twenty-five thousand dollars) or 1 0% ( ten percent) of the amount of the

Damage or Destruction from which such costs or expenses result; and

(b) the amount of such costs or expenses as limited in (a) above shall be added to:

(i) the amount of the Damage or Destruction; and

(ii) all other amounts of loss, which arise as a result of the same occurrence, and for which Underwriters hereon

also agree to pay, or which but for the application of a deducutible or underlying amount they would agree to

pay and the resulting sum shall be the amount to which any deductible or underlying amount to which this Certificate is subject

and the limit (or applicable sub-limit) of this Certificate, shall be applied.

Wisconsin subscriber

The loss settlement provision states that the settlement is the greater of $25,000 or 10% of the amount of damage or destruction from which the loss results. For example, if the loss was $100,000 then payment would be for the greater of $10,000 (10 percent of the loss) or $25,000. This overrides the policies standard debris removal clause, and states that the amount of such coverage shall be added to (emphasis added) the amount of damage or destruction and all other amounts of loss less the deductible. Therefore, the debris coverage should be above the coverage A limit. It's not really clear, and the insured always get the benefit of the doubt.