Does Homeowners Insurance Cover Fire Damage?
One of the worst incidences that can happen in your home is a fire accident. Fires are known to spread quickly and cause a lot of damage. Restoring your home to its original state requires you to invest some money, which can be costly on your part. However, you don’t have to meet all the expenses on your own, because homeowners insurance covers fire damage. However, you need to understand how this works so that you make your claim the right way.
During a fire incident, there is a lot of damage that occurs to your property and personal possessions. The damage results not only from the fire, but also from the smoke and the actions by the fire brigade. This is called secondary damage. Secondary damage can lead to mold growth, rusting or metals and permanent staining of plastics and PVC materials.
What Does Fire Damage Insurance Cover?
These policies are varied, and cover anything ranging from totally razed down structures and personal items. Generally, the policies cover:
• The cost of total loss to your home.
• Cost of repairs to your damaged structure and the interior of the house.
• Covering of lost personal possessions.
• The cost of temporary housing as you wait for the house to be repaired.
• Costs of secondary damage to your property due to smoke and water damage.
In order to be compensated, you need to file a fire damage insurance claim.