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Hanover Insurance Group- ODF D785344 5701644 5. Additional Coverages (b) Subject to paragraph (a) a. Debris Removal above, the amount we will pay for debris removal expense is (1) Subject to paragraphs (2), (3) and limited to 25% of the sum of (4) below, we will pay your the deductible plus the expense to remove debris of amount that we pay for direct Covered Property and other debris physical loss or damage to that is on the described premises, the Covered Property that has when such debris is caused by or sustained loss or damage. results from a Covered Cause of However, if no Covered Loss that occurs during the policy Property has sustained direct period. The expenses will be paid physical loss or damage, the only if they are reported to us in most we will pay for removal writing within 180 days of the date of debris of other property (if of direct physical loss or damage. such removal is covered (2) Debris Removal does not apply to under this Additional costs to: Coverage) is $5,000 at each (a) Remove debris of property of location. yours that is not insured under (4) We will pay up to an additional this Coverage Form, or $25,000 for debris removal property in your possession expense, for each location, in any that is not Covered Property; one occurrence of physical loss of (b) Remove debris of property or damage to Covered Property, if one or both of the following owned or leased to the circumstances apply: landlord of the building where your described premises are (a) The total of the actual debris located, unless you have a removal expense plus the contractual responsibility to amount we pay for direct insure such property and it is physical loss or damage insured under this Coverage exceeds the Limit of Form; Insurance on the Covered (c) Remove any property that is Property that has sustained loss or damage. Property Not Covered except as provided under the Outdoor (b) The actual debris removal Property Coverage Extension; expense exceeds 25% of the (d) Remove property of others of a sum of the deductible plus the amount that we pay for direct type that would not be Covered physical loss of or damage to Property under this Coverage the Covered Property that has Form; sustained loss or damage. (e) Remove deposits of mud or Therefore, if paragraphs (a) earth from the grounds of the and/or (b) above apply, our total described premises; payment for direct physical loss (f) Extract "pollutants" from land or damage and debris removal or water; or expense may reach but will never (g) Remove, restore or replace exceed the Limit of Insurance on polluted land or water. the Covered Property that has sustained loss or damage, plus (3) Subject to the exceptions in $25,000. paragraph (4) below, the following provisions apply: (5) Examples (a) The most that we will pay for Example #1 the total of direct physical loss or damage plus debris removal Limit of Insurance $ 90,000 expense is the Limit of Amount of Deductible $ 500 Insurance applicable to the Amount of Loss $ 50,000 Covered Property that has sustained loss or damage. Amount of Loss Payable $ 49,500 ($50,000 - $500) Debris Removal Expense $ 10,000 Debris Rem ILL�y µ i3RMmag'ah1ad])MsiuR REVIEWED&APPROvmSY: 391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permissioJ�N., . ° , `� --� Rusk Pjanagement Analyst