Phase I of the Program is being conducted at no cost to property owners. If you choose to participate in Phase II of the Program, there is no cost to the property owner, and removal will be completed in compliance with all local, state and federal laws. If you had insurance in effect at the time of the wildfire that provides coverage for debris removal, it is required that those funds, not used for rebuilding, go toward reimbursement of Program costs. In most cases, the cost of debris removal will be greater than the insurance available. Reimbursement amount will not exceed the costs of debris removal on your specific property. If coverage for debris removal is not a separate insurance category, any reimbursement for debris removal will be limited to the unused benefit amount (if any) in that coverage category after the residence is rebuilt. If the full amount of general coverage is used for rebuilding, you will not be responsible for any reimbursement. If you participate in Phase II of the program, we recommend that you consult with your insurance carrier to confirm how much is dedicated to debris removal. If your site will require private debris removal in addition to what is covered under the USACE Phase II, you can use your debris insurance proceeds to cover those costs, and will only be expected to assign the remainder to reimburse the Program. If you do not have insurance the Program will be provided at no cost.