Fire Damage Claims: What is Covered
Fire Damage Claims
Commercial property fires are stressful situations, but the key concern in the aftermath is understanding what is covered by your insurer. Most coverage will cover fire damage that is the result of the fire and smoke along with any subsequent water damage, occurring while extinguishing it.
Fire is the primary cause of most visible damage: ash, scorched walls, melted siding, etc. Most of the loss is structural, going beyond cosmetic. Obviously, the extent of the damage is dependent on the severity and persistence of the fire. As most of this damage is apparent, an insurance adjuster should have no problem verifying this as part of the claim. However, it might be beneficial to have before and after photographs to prove the property loss.
While fire damage is often apparent, smoke damage can be subtle, often hidden in areas that aren’t easily accessible. For instance, extensive smoke damage can occur in the ventilation system of your building. Again, depending on the extent of the damage, it may be possible to salvage the system, but you will likely need a thorough inspection after a fire.
An issue that may arise after a fire is determining the responsibility of water damage. This determination may not be difficult when the damage has occurred in the area affected by the fire, but when water damage occurs in areas untouched by the fire, possibly due to a malfunctioning sprinkler system, it is a little trickier. This is when before and after photos come in handy.
For any questions or concerns you may have about items that are covered, you can reach out to your insurance, but you can also seek guidance from a fire mitigation specialist in the Maryland Heights, MO, area. These specialty restoration companies have extensive experience with insurance companies and may be able to explain what your coverage is likely to cover in the event of a fire.
Understanding your coverage is critical to reducing stress levels after a disaster. To ensure that you know what is covered in the event of a fire, call your insurer and ask about your fire damage coverage.