Smoke Damage From Neighbours Fire

Smoke damage insurance is generally included in most homeowners insurance policies but of course always check out your individual policy or call your insurance agent or your public adjuster if you re unsure.

Smoke damage from neighbours fire. Hi my name is xxxxx xxxxx fire started in one bedroom of my house. The smoke doesn t need to come from a fire within your house smoke damage to your home from a neighbor s fire is also covered. The fire travelled through the. I am claiming to replace my furniture and one tv and.

Smoke damage from neighbor s fire contents such as furniture and electronics. Your homeowners insurance will also cover you for damage caused by wildfires. Yes coverage for smoke and fire damage are both included in a basic homeowners insurance policy aka ho3. Smoke damage is physical property damage caused by the smoke emitted by a fire not the actual flames themselves.

In other cases there s smoke damage from a neighbor s fire. When the fire service arrived two officers went in and after 20 minutes came out and said the fire is out and your gas fire was the culprit. They sent out the restoration company which cleaned the house and the furniture. When fire completely destroys your house commercial business or property your insurance company considers it a total loss fire claim.

Or it could be caused by a wildfire. In this case start by contacting your insurance company and they should help guide you through this situation. Hi my neighbor s row home was on fire and luckily my house didn t burn into flames but i did file with allstate a smoke damage claim.