When we all watch the news and see devastation from tornados, storms, fires, or other disasters, we see streets and homes littered with debris, garbage, trees, rubble, etc. Many of us look at the chaos and wonder how things will ever be the same.
Fortunately, your insurance company has you covered. Most homeowners insurance policies will cover debris removal for major insurable incidents. Getting rid of the rubble and uncovering your home is all part of the process in getting you back where you belong.
Check your Coverage:
Debris removal does not mean that if you clean out your garage you can charge your insurance for the bill to haul stuff to the dump. It doesn’t cover everyday debris removal like pruning trees or lawn maintenance. In order to receive full benefits of debris removal, the debris must be caused by a covered event.
For example, if an earthquake occurs and you are not covered by earthquake insurance, the insurance company cannot help you remove the rubble from your living room. If the event that causes the debris is one that your policy covers you for, then you debris removal is generally included, up to the limits of your policy.
Fallen trees may be covered: In certain circumstances, if it blocks a driveway or ramp, or has fallen on your actual housing structure. Whether the tree fell due to hail, a windstorm, or other force of nature, it may be covered and have a separate limit.
When you are in need of debris removal, your insurance company will most likely give you a limit, or will only cover expense they deem to be “reasonable.” To ensure your costs are covered completely, get a few quotes for debris removal and to go with a quote that offers a competitive, reasonable price.
Protect Your Home:
Before disaster strikes, protect your home by having a thorough homeowners inventory available. A homeowners inventory includes information, pictures, product specs and any other materials that would be helpful in replacing damaged property. The more information you can provide the insurance company, the quicker your claim process will be. Protect your home and your valuables by creating and maintaining a current home inventory. Keep the inventory in a safe place such as a safety deposit box or home safe so it is accessible when necessary.
By Matt Reynolds - Google+