Does Home Insurance Cover Fire Damage Repair?
You may have recently found yourself in the unfortunate position of having had a fire in your home. Damage and loss to property by fires can be tremendous and may leave a lasting imprint on your property. Aside from the practical and emotional stress of having to deal with a fire, the aftermath can cause equal difficulty.
Luckily, fire damage repair is usually covered by home insurance. It is often under the category of ‘perils’ which covers damage caused by fire and lightening. You should contact your insurance immediately following a building or house fire and begin filing a claim. After your claim has been filed, you will be contacted by an insurance adjuster.
How to Deal with an Insurance Adjuster after a House Fire
It’s important to choose your words carefully following a fire disaster when you are meeting with your insurance adjuster, or speaking with anyone from your homeowner’s insurance company. You have to keep in mind that all insurance claims adjusters are seeking out reasons to reduce the insurance company’s liability with the fire. Therefore, any admission of neglect can reduce your chances of getting the financial assistance you need to get your property back in order.
It is important to always be honest when dealing with your adjuster or insurance company. However, sometimes, words come out wrong when we are nervous or stressed. Too often, fire disaster victims contact their insurance companies without having time to be educated on ‘what to do after a fire’ or ‘how to deal with an insurance company after a fire’. It’s highly advantageous for a homeowner to know what to do before fire happens.
What Happens to a Home after a Fire?
Fire and Smoke Damage
Fire is one of the most useful, yet, devastating elements in nature. We use it pervasively in our daily lives; yet, can often be guilty of underestimating its danger and potential to cause harm. Fire damage to a property is often classified into six classes, ranging from Class A damage to Class F damage. We review the types below to help you get a more comprehensive understanding of fire damage.
Class A Fire Damage
This is the most common type of fire damage and is caused by fires that arise from flammable solids such as plastic, paper and wood.
Class B Fire Damage
Class B fires stem from other types of liquid flammables such as paint and gasoline. However, Class B fires do not include fires caused by cooking oils and fats.
Class C Fire Damage
Class C fires arise from highly flammable gases such as butane, hydrogen, propane and natural gas. Seeing as flammables like these are often used for cooking, these types of fires are also colloquially known as ‘kitchen fires’.
Class D Fire Damage
These types of fires are caused by combustible metals like magnesium, potassium or sodium.
Class E Fire Damage
Class E fires are caused by a mix of Class A and Class B factors with the addition of electrical elements such as faulty electrical wiring.
Class F Fire Damage
Fires of this class are caused by cooking oils and fats. These are typically hotter fires and the damage caused by them is often worse.