Fire Damage Insurance Coverage

7/3/2024 (Permalink)

Fire damage is typically covered under standard homeowners insurance policies. Homeowners insurance generally includes coverage for damage caused by fire, smoke, and the efforts to extinguish the fire, such as water damage from firefighting efforts.

Steps to Take After a Fire

1. Ensure Safety: Make sure everyone is safe and that the fire is fully extinguished.
2. Notify Your Insurance Company: Contact your insurance company as soon as possible to report the fire and start the claims process.
3. Document the Damage: Take photos and make a list of the damage to your home and belongings.
4. Make Temporary Repairs: If it is safe to do so, make temporary repairs to prevent further damage. Keep receipts for any expenses incurred.
5. Work with the Adjuster: An insurance adjuster will inspect the damage and help determine the amount of your claim. Be sure to provide them with all necessary documentation.
6. CALL your local SERVPRO® for all cleanup restoration services following fire and water damage.

Fire damage is generally covered under standard homeowners insurance policies, which include dwelling, personal property, other structures, loss of use, and liability coverage. Understanding your policy’s limits, deductibles, and exclusions is essential to ensure you are adequately protected.

SERVPRO Team Paparone is here to help with the coordination of insurance companies and adjusters to make sure everything goes according to plan. We are faster to any disaster!