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Section I Additional Coverages

Beyond Coverages A through D, Section I grants a set of Additional Coverages that respond to the practical aftermath of a loss. Debris Removal pays the reasonable cost of removing debris of covered property after a covered loss; the expense is normally included within the applicable limit, but when debris cost plus the property loss exceeds that limit, an extra 5% of the limit becomes available specifically for debris removal. Reasonable Repairs reimburses necessary temporary measures taken solely to protect covered property from further damage after a covered peril — tarping a roof, boarding windows, running pumps — and those costs count toward the applicable limit rather than adding to it. Several Additional Coverages carry their own small dollar defaults. Fire Department Service Charge pays up to $500 when the insured is contractually liable for a fire department call. Credit Card, Electronic Fund Transfer Card, Forgery, and Counterfeit Money coverage defaults to $500, raisable by endorsement HO 04 02 (commonly to $1,000 through $10,000). Loss Assessment pays a modest default (typically $1,000) toward assessments an association levies on the insured for covered damage to collectively owned property. Trees, shrubs, and plants carry per-item and aggregate sublimits, and Ordinance or Law coverage provides 10% of Coverage A for the increased cost of complying with building codes during repair. Two timing-based provisions round out the set. Property Removed extends coverage for 30 days on an open-peril basis while property is being moved from premises endangered by a covered peril. Glass or Safety Glazing Material covers breakage of building glass and resulting damage to covered property — but not if the dwelling was vacant for more than 60 consecutive days before the loss, unless earth movement caused the breakage. Collapse and Landlord's Furnishings are also structured as additional coverages with their own conditions and sublimits.