What Most Insurance Companies Provide Coverage For

Most insurance companies provide coverage and replacement costs for 3 distinct items:

1. Your structure
2. Your contents/possessions
3. Other structures on your property

Each of these items has a policy limit specific to your property (many insurances let you utilize 5% of the policy limits for each distinct item). Your coverage for debris removal is likely a cumulative total of:

• 5% of your policy limit for structure replacement
• 5% of your policy limit for content/possession replacement
• 5% of your policy limit for other structures replacement

Utilizing these 5% portions of your coverage typically doesn’t come out of the replacement costs provided by your insurance company. Make sure to verify this with your insurance company since this information may not be disclosed without you asking for obvious reasons.

Read more about insurance coverage for the Camp Fire here.