Section I additional coverages fill gaps around the main limits. Three show up most on the exam.

Debris removal: the expense to remove debris of covered property is included in the limit that applies to the damaged property. When damage plus debris removal is more than that limit, an additional 5% of that limit is available. Example: Coverage A of $400,000, damage of $390,000 and debris removal of $40,000. The most paid is $400,000 + $20,000 = $420,000, and the insured bears the other $10,000.

Property removed: covered property is insured against direct loss from any cause while being removed from a premises endangered by an insured peril, and for a limited time while removed (30 days in the ISO sample form). That is broader than Coverage C's named perils, and the fire does not have to reach the home. It does not increase the limit that applies to the property.

Ordinance or law: the exclusion removes loss from laws that regulate construction, except what the additional coverage gives back: increased cost of construction, demolition, remodeling or repair required by such a law. A law that simply lowers the property's value stays excluded. California's standard fire form likewise makes no allowance for increased cost caused by an ordinance, which is why building code upgrade coverage matters.