Under what condition does additional debris removal coverage become available?

The availability of additional debris removal coverage is linked to specific conditions that outline when a policy triggers this extra benefit. In this case, the condition that makes additional debris removal coverage available is when the total property damage exceeds the policy limit or when the debris removal costs exceed 25% of the policy limit. This is important because debris removal can often lead to significant expenses after a loss, especially in instances where substantial damage occurs from covered perils.

When the damage is extensive enough to surpass either the overall policy limit or a substantial portion, such as 25% of the limit dedicated for debris removal, the insurer recognizes the increased need for additional financial support to handle the aftermath. This ensures that the policyholder isn't left with a financial burden due to the cost of cleaning up and removing debris in the wake of a significant loss.

In this context, the other options fall short of providing the specific triggers that align with the coverage's intent and criteria set forth in standard policies for insurance. The thresholds set by the insurance policy regarding damage and debris removal directly determine when additional coverage can be utilized.