Fire Damage Coverage Essentials

Fire can strike unexpectedly, causing extensive damage. Understanding your fire damage coverage is essential to protect your home and finances.

What Fire Damage Covers

• Structure repair and rebuilding.
• Smoke damage cleanup.
• Personal property replacement.
• Additional living expenses.

Smoke vs Fire Damage

Smoke can cause unseen damage. Ensure your policy includes smoke remediation.

Preventive Measures

• Install smoke detectors every level.
• Keep fire extinguishers accessible.
• Schedule chimney inspections.

Filing a Fire Claim

• Call 911 first, then insurer.
• Document damage with photos.
• Keep receipts for temporary housing.
• Coordinate with adjuster for final settlement.

Common Pitfalls

Avoid undervaluing contents; consider replacement cost endorsement.

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