This includes the costs to remove debris from your property and clear your land can be significant.

We will cover for the expenses incurred following damage to the Buildings by any of the perils covered by your policy in connection with the removal of debris and demolition under specific circumstances. You need to carefully check what types of “debris” is covered.  For instance, debris from trees, shrubs and plants may not considered “debris” under the policy. This exclusion may be done through a series of clauses. Make sure you look out for these.

You might think you are covered for all types of debris when you read a clause such as the following:

“When the buildings and/or contents have been destroyed or damaged by any of the insured events covered by your policy, we will pay the reasonable cost of: Demolition and Removing buildings and contents debris from your risk address”

However, if you see any clauses in your contact such as the following you will know you are not covered for trees and shrubs debris.

Landscaping, trees, shrubs and plants are not included in buildings and/ or contents.