State Farm Fire Independent Policy Practice Exam

What type of expense does the HO-3 policy cover for Debris Removal?

1. Expenses related to non-structural debris

2. Removal of tree debris causing loss to Coverage A property

3. All types of debris removal regardless of cause

4. Only clean-up expenses after flooding

The correct answer is: Removal of tree debris causing loss to Coverage A property

The HO-3 policy, which is a homeowners insurance policy, includes specific coverage for debris removal when it pertains to tree debris that causes damage to property classified under Coverage A. Coverage A generally refers to the dwelling itself and any structures attached to it. This means that if a tree falls and damages the home or other structures covered under this section, the policy will cover the reasonable expenses incurred to remove that debris. This aspect of the coverage is important for homeowners, as fallen trees can cause significant damage and pose safety risks. By including expenses for tree debris removal linked to damages under Coverage A, the policy helps ensure that homeowners are not left with unexpected financial burdens after a damaging event. The focus on tree debris specifically indicates that only related expenses that result from a covered loss are eligible, aligning with standard insurance practices that aim to mitigate further damage while maintaining clear boundaries on what types of debris removal costs are accepted. This type of coverage reinforces the importance of understanding specific policy details, as it indicates that not all debris removal is automatically covered, which is why the other options, such as non-structural debris or flooding clean-up expenses, do not fit the intended scope of the HO-3 policy.