It is important to know what insurance coverage you have that will cover fire damage. Fire insurance is a property coverage that pays for damages to property and other losses you may suffer from a fire. It can pay for the cost of repairing or replacing damaged property in your home. Fire coverage is included in most homeowners insurance policies. However, there are certain exclusions to coverage. There are set limits to the amount of fire damage that will be covered in a homeowners insurance policy.
Fire damage restoration is a very complex process due to the nature of property fires. In addition to ruining your personal belongings, you can be left with excessive smoke and soot, which can lead to even more problems if not taken care of. That’s why we offer fire damage restoration services that repair any current damage and prevent further issues, as well.
Did you know that the National Fire Association statistic shows over 358,000 house fires each year?
Understanding Fire Insurance
Some standard homeowner’s insurance policies include coverage for fire, but the policy may not be extensive enough for some homeowners. If the policy excludes coverage for fire damage, then fire insurance may need to be purchased separately. The insurance company’s liability is limited by the policy value and not by the extent of damage or loss sustained by the property owner.
Fire insurance policies provide payment for the loss of use of the property as a result of a fire, or for additional living expenses that were necessitated by uninhabitable conditions as well as damage to personal property and nearby structures. A fire insurance policy may also include additional coverage against smoke or water damage caused by the fire and the process of extinguishing it. Homeowners should document the property and its contents to simplify the assessment of items damaged or lost during a fire.
Call Us Now!
At Kingdom Restoration, you receive the highest level of care. If you have further questions about the fire damage restoration services we provide in your area, or you’re ready to set up a consultation, all you need to do is pick up your phone and give our team a call.