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Fire & Water - Cleanup & Restoration

2 Causes of Fire That Are Not Covered by Insurance

7/18/2019 (Permalink)

Fire damage in a Charleston Park, FL home

If you've checked your home insurance policy recently, you likely learned that the cost of fire cleanup services after a home fire is most often covered by insurance. Coverage even applies to secondary damage caused by smoke or soot. This can certainly take a lot of stress off your shoulders if you ever do have to recover from a house fire in Charleston Park,FL. Continue reading to learn a few ways your homeowners insurance can help after a fire and discover the two causes that are not covered.

How Insurance Can Help

After a house fire, there are many costs you will be faced with that you might have never considered. Fortunately, insurance can pick up many of these costs including:

  • Repairing your home and detached structures
  • Replacing or restoring personal belongings
  • Addressing damage to landscaping
  • Costs associated with having to live away from home during the rebuilding process

Situations Not Covered

In most situations, coverage is available whether a fire starts due to a preventable cause, such as leaving the stove on, or something completely out of your control, such as a lightning strike. However, a fire caused by the homeowner on purpose, or due to arson, is not covered. Whether started in an attempt to harm someone or to try and collect money from insurance, no coverage will be provided if an investigator is able to determine you caused the fire. Additionally, coverage will not be provided for a vacant home fire. This does not mean your insurance will not cover you if you are not at the house that day or on a short vacation. Rather, a home left unoccupied for thirty days or more is generally considered vacant.
Apart from arson or vacancy, insurance can be very helpful in helping you cover the cost of a home fire. You should always check with your insurance company to find out the exact details of your policy.

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