Understand that your insurance covers flame, smoke, ash or soot damage

12/3/2020 (Permalink)

Understand that your insurance covers flame, smoke, ash or soot damage

A typical homeowner’s insurance policy will cover damage caused by wind, fire, and lightning. If your home is destroyed by a fire, then the insurance company would be obligated to up to the policy limit for a new home.

A typical insurance policy will also pay to replace or repair anything inside that home that may have been damaged by flames, smoke, soot, ash, and other byproducts of the fire.

Smoke damage is nasty and can affect virtually everything in your home. Many of your possessions and furniture may need to be discarded – even if they don’t look badly damaged. Soot can spread quickly, cover things in many unforeseen places, and is quite hazardous to your health. Be sure to thoroughly inspect for soot damages and inconspicuous damage from smoke when making a claim with your insurance for a fire. A common question with smoke damages is what to do when there is smoke damage to your home from a fire at a house next door, such as a fire at your neighbor’s house. In this case start by contacting your insurance company and they should help guide you through this situation.

Remember: you pay for insurance specifically to cover situations like this. Document all of the items in your home that have even small amounts of smoke, soot, or ash damage.

Your walls may be stained black, for example. Floors and carpeting may be permanently ruined with soot. Even your ceilings could turn an ugly shade of black. Upholstery, drapes, clothing, and family heirlooms can all suffer damage.

https://claimsmate.com/4-things-you-need-to-know-about-smoke-damage-insurance-claims/

SERVPRO of Grand Prairie  is here for all of your restoration needs.