Fire, Smoke and Water Damage Claims: The Basics Explained

When it comes to fire and water damage claims, there are a few things you need to understand. This is how to deal with your insurance company.

Did you know that nearly one in every ten homes was impacted by natural disasters in 2021?

The aftermath of fires and floods can be overwhelming and stressful, and it can be difficult to know where to start in the process of recovery.

One of the most important steps in this process is filing a fire, smoke, or water damage claim with your insurance company. This can help you cover the cost of repairs.

This means that you'll be able to get your life back on track as quickly as possible.

To help you understand the basics of smoke, fire, and water damage claims, we have put together a guide. Keep reading to find out more.

When Water Damage Might Be Covered

If you have a flooded home, it's important to determine whether your insurance policy covers water damage.

Many standard homeowners' insurance policies do not cover damage caused by flooding, which is defined as water that originates outside of your home.

However, if the water damage was caused by a burst pipe, faulty appliance, or other internal issues, your insurance may cover the damage.

When Smoke and Fire Damage Might Be Covered

Most standard homeowners' insurance policies cover damage caused by fires. Smoke damage is also typically covered. It can cause extensive damage to your home and belongings even if there was no actual fire.

But it's a good idea to review your policy and to familiarize yourself with your specific coverage and any exclusions or limitations.

In some cases, you might need to purchase additional coverage to fully protect your home from the effects of house fires and smoke damage.

Identifying Water Damage

Signs of water damage can include discoloration or staining on walls or ceilings, peeling paint or wallpaper, a musty or damp smell, warped or buckled flooring, and visible mold growth.

Water damage can also cause a decrease in water pressure or the appearance of water stains on ceilings, walls, or floors.

Identifying Fire and Smoke Damage

When filing insurance claims for house fires and smoke damages, it's important to identify all areas that have been affected.

Smoke damage can leave a distinct odor and discoloration on walls, while fire damage can cause structural damage and harm to personal belongings.

What to Do if an Insurance Company Denies Your Claim

If your insurance claims for fire, smoke, water damage, or any other type of loss are denied, it can be frustrating and overwhelming.

But it's important to review your policy and understand the reason for the denial. You may be able to appeal the decision or negotiate with your insurance company.

It's also a good idea to seek the advice of an insurance adjuster.

Understanding Smoke, Fire, and Water Damage Claims

All homeowners should familiarize themselves with the process of making smoke, fire, and water damage claims.

It is also important to understand that not all types of damage from house fires will be covered by your insurance policy. This is why it is a good idea to understand the details of your policy.

If you need help figuring out how to place home insurance claims, we are here to help you. Don't hesitate to contact us to get started today!