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5. Additional Coverages <br />(b) Subject to paragraph (a) above, <br />a. Debris Removal <br />the amount we will pay for debris <br />removal expense is limited to 25% <br />(1) <br />Subject to paragraphs (2), (3) and (4) <br />of the sum of the deductible plus <br />below, we will pay your expense to <br />the amount that we pay for direct <br />remove debris of Covered Property <br />physical loss or damage to the <br />and other debris that is on the <br />Covered Property that has <br />described premises, when such debris <br />sustained loss or damage. <br />is caused by or results from a <br />However, if no Covered Property <br />Covered Cause of Loss that occurs <br />has sustained direct physical loss <br />during the policy period. The <br />or damage, the most we will pay <br />expenses will be paid only if they are <br />for removal of debris of other <br />reported to us in writing within 180 <br />property (if such removal is <br />days of the date of direct physical loss <br />covered under this Additional <br />or damage. <br />Coverage) is $5,000 at each <br />(2) <br />Debris Removal does not apply to <br />location. <br />costs to: <br />(4) We will pay up to an additional <br />(a) Remove debris of property of <br />$25,000 for debris removal expense, <br />yours that is not insured under this <br />for each location, in any one <br />Coverage Form, or property in <br />occurrence of physical loss of or <br />your possession that is not <br />damage to Covered Property, if one or <br />Covered Property; <br />both of the following circumstances <br />(b) Remove debris of property owned <br />apply: <br />or leased to the landlord of the <br />(a) The total of the actual debris <br />building where your described <br />removal expense plus the amount <br />premises are located, unless you <br />we pay for direct physical loss or <br />have a contractual responsibility <br />damage exceeds the Limit of <br />to insure such property and it is <br />Insurance on the Covered <br />insured under this Coverage <br />Property that has sustained loss <br />Form; <br />or damage. <br />(c) Remove any property that is <br />(b) The actual debris removal <br />Property Not Covered except as <br />expense exceeds 25% of the sum <br />provided under the Outdoor <br />of the deductible plus the amount <br />Property Coverage Extension; <br />that we pay for direct physical loss <br />(d) Remove property of others of a <br />of or damage to the Covered <br />type that would not be Covered <br />Property that has sustained loss <br />Property under this Coverage <br />or damage. <br />Form; <br />Therefore, if paragraphs (a) and/or (b) <br />(e) Remove deposits of mud or earth <br />above apply, our total payment for <br />from the grounds of the described <br />direct physical loss or damage and <br />premises; <br />debris removal expense may reach <br />but will never exceed the Limit of <br />(f) Extract "pollutants" from land or <br />Insurance on the Covered Property <br />water; or <br />that has sustained loss or damage, <br />(g) Remove, restore or replace <br />plus $25,000. <br />polluted land or water. <br />(5) Examples <br />(3) <br />Subject to the exceptions in paragraph <br />Example #1 <br />(4) below, the following provisions <br />apply: <br />Limit of Insurance $ 90,000 <br />(a) The most that we will pay for the <br />Amount of Deductible $ 500 <br />total of direct physical loss or <br />Amount of Loss $ 50,000 <br />damage plus debris removal <br />Amount of Loss Payable $ 49,500 <br />expense is the Limit of Insurance <br />applicable to the Covered <br />($50,000 — $500) <br />Property that has sustained loss <br />Debris Removal Expense $ 10,000 <br />or damage. <br />Debris Removal Expense <br />391-1003 08 16 <br />Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 7 of 81 <br />