After a windstorm passes through the Insured's premises, the covered property does not suffer any damages. However, the Insured must incur in debris removal expenses. Most of the debris is made up of trees.

1) Under forms CP 0010 (10 12) and CP 0017 (10 12) is the expense covered even if the covered property didn't suffer any loss or damage? 

2) What would the applicable deductible (if any) be if the insured has a $250 deductible for Special Form except 2% windstorm deductible for building and business personal property? 

3) If the insured has Debris Removal Additional Insurance (CP 0415 (10 12)) for a $50,000 limit, is coverage provided and what's the applicable deductible? 

Puerto Rico Subscriber

1) Debris removal under CP 00 10 10 12 extends property coverage to include the expense of removing debris only of covered property caused by or resulting from a covered cause of loss. Under Property Not Covered, item q.(2) excludes trees, shrubs and plants from coverage, except as provided under the coverage extensions. 

The Outdoor Property coverage extension extends coverage to trees and tree debris removal expense, but only for specific causes of loss of fire, lightning, explosion, riot or civil commotion, or aircraft. Therefore, removal of debris from trees blown by a windstorm is not covered unless the blown trees damage other covered property insured against windstorm. 

If the trees did not damage other covered property, then the costs of removing the tree debris from covered property are part of the costs to effect repairs, not debris removal costs. If there is debris removal from other covered property, then common adjustment practice might allow for payment of removing not only the debris of the covered property, but also other debris involved in the loss on the insured property.

2) If the trees did not damage other covered property, then there is no coverage. Therefore, the windstorm or hail deductible would not apply. 

If there was damage to other covered property, then the 2 percent windstorm deductible would apply separately to each damaged building; to the personal property at each building; and to loss or damage of personal property in the open. The deductibles would apply to each windstorm occurrence. 

3) The Debris Removal Additional Insurance CP 04 15 10 12 provides an additional amount for the coverage in CP 00 10. It does not provide additional coverage, just a higher limit. The applicable property or windstorm deductible would apply since this is not separate coverage, but simply an increase of the limit provided under CP 00 10.