It depends on the policy that you have. There are generally two types of debris removal coverages in a homeowner’s insurance policy:
- Specified Amount: One type of debris removal insurance coverage contains a separate, specific debris clause, typically capped at a percentage of the coverage amounts listed in the policy (for example, 5 percent of the value of a primary structure, other structure, and personal property.) In this case, the city/county will only collect from your insurance policy the specified amount designated in the debris removal clause. You will not owe the county any additional money, even if the actual costs to remove the debris exceed the amount designated in your insurance policy for debris removal.
- No Specified Amount: Another type of debris removal insurance policy does not have a specified amount but includes the costs of debris removal in the total proceeds provided for the primary structure, other structure, or personal property. If you have this type of policy, the city/county will only attempt to collect insurance proceeds for debris removal after you have rebuilt your home. The county will only collect any money that remains in your insurance policy, if any, after the rebuild. The homeowner will not owe the county any additional money for debris removal.
Note: Property owners may be able to first utilize debris removal insurance claim payments for debris removal work that is outside the scope of the state-managed program, such as the removal of pools and driveways, and trees/fencing/outbuildings outside the ash footprint. Contact your insurance provider for specifics on your policy.