Debris removal pays for the expense of removing debris caused by a covered peril. Normally the debris must be removed within 180 days. For example, a person’s home may be a total loss due to a fire. The charred remains of the house are “debris” and the removal of the remains is not covered in the value of the house. The debris removal clause provides coverage to clear the lot.Most homeowner and commercial fire policies include debris removal. It is important to note that the coverage does not include clean up of any pollutant.