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Fire & Water - Cleanup & Restoration

Insurance and Fires: What You Need To Know

10/25/2021 (Permalink)

Ceiling burned of a kitchen Kitchen fire in Lakeside, FL.

Fires and Insurance

No one likes to think about a home fire, no matter how big or small. Give it the right materials and just a few moments, and fire can engulf your residence. When such a disaster does happen, many in Lakeside, FL, may wonder about insurance coverage. Gain a better understanding of your circumstances by reading the following three pointers about fires and insurance.

1. Insurance Covers Some Losses

Typically, your standard fire insurance covers fires caused by natural disasters and electricity; however, policies may vary. Differences in policy details can especially apply in situations where there has been significant damage. The main takeaway is that fire insurance can provide protection for policyholders who have suffered from fire loss.

2. … But Not All Losses

One important factor to consider is arson. When homeowners intentionally start a fire, they have committed a criminal offense. Arson insurance fraud poses a number of issues. Attempting to collect insurance money after deliberately destroying a property is one of the oldest tricks in the book, and most insurance companies are aware of this dishonest practice. Keep in mind that a home fire typically requires a full investigation to rule out this and other issues.

3. Insurance Doesn't Cover All Homes

Fires that occur in vacant homes may not receive coverage from insurance companies. While policies have varying guidelines on the definition of this term, providers usually consider a home vacant if a family has not occupied it in more than 30 uninterrupted days. Once again, if the investigation shows that the incident was in fact a vacant home fire, an insurance company may refuse to grant coverage.

Learning the ropes of an insurance plan may not be the most exciting endeavor, but getting better acquainted with your plan can save you from added stress in an unfortunate situation. Make sure you understand what your insurance covers so you are more ready to handle the cleanup and restoration after a fire.

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