Asking Your Insurance Agent About Debris Removal Coverage

Determining and maximizing insurance coverage for debris removal is trickier than you’d think. As we advised before, if you’re a homeowner in the debris removal program, you should first determine your insurance coverage for debris removal. Asking your insurance agency this simple question is more complex than we first thought. Here’s what you should ask your insurance agent:

• What does my insurance cover for debris removal?
• Is that portion of my insurance coverage separate from replacement costs coverage for my structure, contents, and other structures on my property?

We have found that most insurance companies have coverage that goes beyond simple replacement costs. (i.e. the coverage for debris removal, or at least a portion of, would be provided by your insurance beyond your standard coverage at no cost to you).

Learn more about insurance coverage for the Camp Fire here.