Will Homeowners Insurance Cover Fire Damage In Lakeview?

6/7/2021 (Permalink)

A fire can be devastating to you and your family. The aftermath can leave you feeling confused and stressed. Having to make an insurance claim only adds to an already stressful fire damage restoration process. Homeowners insurance can be complicated, and every policy is different and will have different coverage and limits. According to the Insurance Information Institute, educating yourself about policy options will help ensure your home is fully covered. 

What Does Fire Damage Insurance Normally Cover?

Most homeowner’s insurance in Lakeview covers fire and smoke damage as long as the fire was sudden or accidental. Fires caused by lightning strikes, wildfires, faulty electrical work, or accidents, like knocking a candle over or a kitchen fire, fit into the sudden or accidental category. If your property suffers fire or smoke damage, your insurance coverage should include:

• The physical structure of your home, costs of repairs or rebuilding
• Personal belongings, like furniture, clothing, and the items that make your house a home, insurance will either cover the cost to replace or restore the items
• Temporary housing arrangements while your home is being rebuilt or repaired are usually covered. It could include a rental property or hotel stay, extra fuel expenses, or groceries

What Isn’t Normally Covered By Fire Damage Insurance?

Your insurance won’t normally cover all types of fire damage. Make sure to read your policy for specific provisions, but generally, insurance will not cover:

• Arson
• Intentionally set fires
• Fires as a result of war
• Fires caused by poor maintenance

If you need to file an insurance claim, read your insurance policy. Make sure you understand what your insurance company will need to process your claim and the particulars of your policy. 

With years of experience under our belt, SERVPRO of Gold Coast / Lincoln Park / Lakeview is the leader in fire damage restoration. Our team is knowledgeable about insurance claims and will work with your insurance provider to manage the claims process and paperwork. Call us at 773-935-6750. 

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