What it does
FP 04 21 increases the additional debris removal limit in the Debris Removal Additional Coverage (5% of the applicable limit of insurance) by the amount shown for each insured location.
Who needs it
Farms with large structures (barns, confinement buildings, grain bins) where debris removal after a fire or windstorm could exceed the built-in amount.
Quoting and selling notes
Estimate demolition and disposal cost for the largest structures, including dead animal disposal where relevant. Wording reviewed: 01 98 edition.
How it fits the farm policy
A farm program endorsement changes only the coverage forms named in its "this endorsement modifies" list. Everything else in the Farm Coverage Part keeps working as written: the FP 00 90 additional coverages, conditions and definitions, the causes of loss selected from FP 10 60, and the farm liability forms. When presenting a quote, list each farm endorsement with its schedule entries (insured location, building or item, limit, deductible) so the insured can see exactly where the base coverage was broadened or narrowed.
