You, as the policyholder, are responsible for clearing the debris from your lot. However, policies vary, so if you have specific cover for this, the cost of this work is covered. If your property was damaged or destroyed in a natural disaster, check with your local government officials to see if they’re coordinating a debris removal program. Also note that one of the more common additional cover items in a policy is an extra amount to be paid for debris removal. But you have to read the policy carefully, as the cover provided could be an amount that is payable above the limit that applies to your basic dwelling cover.